Commercial Portfolio Manager/Credit Analyst – To $90K – San Antonio, TX – Job # 1717
Who We Are
The Symicor Group is a boutique talent acquisition firm based in Lincolnshire, IL & Rockport, TX. Our nationally unique value proposition centers around providing the very best available banking and accounting talent. In fact, most of our recruiters are former bankers or accountants themselves!
We know how to evaluate the very best banking and accounting talent available in the market. Whether you are a candidate seeking a new opportunity or a bank or company president trying to fill an essential position, The Symicor Group stands ready to deliver premium results for you.
The Position
Our client is seeking to fill a Commercial Portfolio Manager role in the greater San Antonio, TX market. This selected candidate will be responsible for the underwriting of complex commercial loan transactions via analysis of applications, tax returns, financial statements, and all other supporting documentation of commercial loan applicants.
This position includes a generous salary of up to $90K plus generous bonus. Best in Market Benefits – See Below
Commercial Portfolio Manager responsibilities include:
- Supporting Relationship Managers with portfolios that have varying degrees of difficulty, underwriting, and monitoring credit.
- Spreading and analyzing corporate and individual financial statements and tax returns. Analyzing creditworthiness and evaluating the credit risk of all business/commercial loan requests.
- Preparing recommendations and justifications for the associated decision for approval/denial on all commercial loans, secured and unsecured as described by applicable loan policy.
- Mitigating and managing credit risk by evaluating global cash flow, collateral position, balance sheet strengths, and pro forma analysis.
- Preparing loan presentation write-ups for management and loan committee approvals.
- Conducting regular site visits and preparing site visit reports for loans in his/her portfolio in accordance with Credit policies and procedures.
- Assisting in maintaining strong credit quality, including management of payment delinquencies, loan maturities and ongoing portfolio management functions including financial statement monitoring, risk grade assessments, and covenant testings.
- Ensuring the appropriate gathering of underwriting documentation to support approval conclusions for new originations, refinances, modifications, renewals, and extensions.
- Reviewing new loans for policy and regulatory requirements and identifies exceptions as incurred for tracking.
- Preparing various monthly, quarterly, and ad-hoc reporting via bank systems and excel.
- Supporting or completing special projects as assigned by the Credit Administration Director.
Who Are You?
You’re someone who wants to influence your own development. You’re looking for an opportunity where you can pursue your interests and your passion. Where a job title is not considered the final definition of who you are, but merely the starting point for your future.
You also bring the following skills and experience:
- Bachelor’s degree in Business (preferably with a concentration in finance or accounting) or equivalent experience in commercial credit analysis.
- Three or more years of experience in commercial credit analysis; formal credit training is preferred. Small Business Administration (SBA) experience is a plus.
- Working knowledge of financial analysis and accounting theory, and the ability to write clearly, logically, and analytically.
- Additional education in banking and commercial loans through AIB desirable.
- Good written and oral communication skills.
- Ability to be a self-starter and demonstrates strong level of initiative and commitment with a minimum level of supervision.
- Ability to understand accounting, including financial statement spreads, cash flows, and credit analysis.
- Ability to define problems, proactively identify and articulate risks, collect data, establish facts and draw valid conclusions.
Best in Market Benefits
- Blue Cross Blue Shield of Texas Medical base plan (employee only plan – fully paid by the employer)
- Health Reimbursement Arrangement
- Wellness Program
- Long Term Disability
- Employee Assistance Program
- Basic Life and AD&D (paid at 3x annual salary)
- 401(k) Retirement Account with a dollar per dollar employer match on the first 6% of your income.
- Eligible for employee deferral the first day of the following month after the date of hire and eligible for employer match first day of the quarter after 6 months of service.
- Fully funded Pension Plan which pays 40% at age 65 with 25 years of service (eligible after 1 year of service)
- Eligibility requirements consist of age 21 and completion of 1 year of service.
- Tuition Reimbursement (eligible after 1 year of service)
- Paid Time Off (PTO) accruing upon the date of hire at 5.8461 hours per pay period for a total of 19 days for the first year of employment, increasing to 22 days in years 2 through 5 (eligible for use after 90 days of employment).
The next step is yours. Email us your current resume along with the position you are considering to:
