Credit Portfolio Manager

4 weeks ago


Morrisville, Pennsylvania, United States Penn Community Bank Full time
Job Summary

We are seeking a highly skilled Credit Portfolio Manager to join our Commercial Lending team at Penn Community Bank. As a key member of our team, you will be responsible for providing exceptional credit support to our Commercial Lending team, Credit Officer, and Credit Manager by preparing analyses and credit approval presentations.

Key Responsibilities
  • Work closely with the Credit Manager, Credit Officer, and CCO to ensure consistent and accurate credit analysis and loan presentations.
  • Prepare financial statement spreads and perform comprehensive analysis of cash flow.
  • Evaluate individual personal financial statements, tax returns, and prepare global cash flows.
  • Verify compliance with credit policy, applicable regulations, and lending procedures.
  • Conduct industry and market analysis to identify risks and risk mitigating factors.
  • Prepare analysis and approval memo for more complex loan requests, reviews, and renewals.
  • Recommend actions such as approval, structural change, or decline.
  • Work with lenders to provide timely response and turnaround by monitoring and prioritizing pipeline.
  • Develop, train, and coach less experienced Credit Analysts and Senior Credit Analysts.
  • Work with new, existing, and troubled commercial lending relationships in understanding and analyzing cash flows, balance sheet, risks, and overall strength and weaknesses of loans and requests.
  • Perform collateral valuations and provide loan structure and covenant recommendations.
  • Assist in developing best-in-class Credit Administration Loan Policy and procedure manuals.
  • Provide support for Special Assets Group and prepare quarterly loan impairment analysis as assigned.
Qualifications
  • BA or BS in Accounting, Finance, Economics, or related field required or equivalent experience.
  • Minimum 3-5 years of experience in credit analysis.

We offer a competitive salary and benefits package, as well as opportunities for professional growth and development. If you are a motivated and detail-oriented individual with a passion for credit analysis, we encourage you to apply for this exciting opportunity.



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