Middle Market Banking - Portfolio Analyst

NBH Bank•Dallas, TX

1d•Onsite

About The Position

The Portfolio Analyst underwrites loan presentations and supports the success and growth of an assigned middle-market portfolio. The role covers originations, annual reviews, amendments, risk rating assessments, financial spreads, and financial modeling, with a primary focus on credit relationships generally exceeding $5 million in total credit exposure. The analyst prepares financial models for underwriting, supports profitable client relationship management, and works with Credit Approval, Loan Operations, and Executive Management. The position requires the ability to critically analyze middle-market borrowers’ financial statements using accounting and finance skills. The analyst assists relationship managers and portfolio managers in managing existing client portfolios and monitors relationships for compliance with credit standards through monthly portfolio monitoring. The role calls for strong analytical skills to maintain portfolio credit quality. The analyst also participates in community and business functions, helps establish referral contacts in the community and specialty industries, and builds respectful, productive relationships with clients and associates. Associates must maintain current knowledge of and comply with applicable regulations and bank policies, including Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements. The work is detailed and task-oriented, with clearly defined responsibilities and reporting relationships. The position is based in an office setting with traditional hours and may require driving and travel estimated at 10% of the time. The associate must be able to work at a rapid pace for extended periods, work overtime as necessary, and work additional hours outside routine business hours as needed.

Requirements

Bachelor’s degree in accounting or finance, or an equivalent combination of education and experience.
At least 4 years of relevant banking experience.
Strong business writing skills.
Self-starter personality and a passion for further endeavors in finance.
Strong attention to detail.
Valid driver’s license and a driving history that meets the Bank’s driver standards if driving is required for the position.
Ability to work at a rapid pace for extended periods, typically no longer than 8 hours.
Ability to work overtime and additional hours outside routine business hours as necessary.
Ability to travel; estimated at 10% of the time.

Nice To Haves

Master’s degree in accounting or finance and/or certification in the field.
Experience in a specialized financial services segment, such as Healthcare, Food/Agribusiness, Asset Based Lending, Government/Nonprofit, Restaurant/Franchise, or Equipment Finance.
At least 6 years of relevant experience in specialty or commercial banking.
Completion of a formal credit training program.
Strong Excel modeling skills.
Proficiency in Microsoft PowerPoint and Word.
Strong credit knowledge.
Ability to train and/or mentor newer Credit Analysts.
Ability to convey information and ideas clearly and enthusiastically in a way that engages and persuades clients.
Well-developed organizational skills and ability to use time efficiently.
Ability to make sound and timely decisions, consistently deliver on commitments, and assume responsibility for results.

Responsibilities

Underwrite loan presentations for middle-market credit relationships, primarily those exceeding $5 million in total credit exposure.
Support portfolio originations, annual reviews, amendments, risk rating assessments, financial spreads, and financial modeling.
Prepare financial models for underwriting.
Support the management of profitable client relationships and work with Credit Approval, Loan Operations, and Executive Management.
Assist relationship managers and portfolio managers with management of existing client portfolios.
Monitor client relationships for compliance with credit standards through monthly portfolio monitoring.
Maintain analytical standards that support credit quality across the portfolio.
Participate in community and business functions to promote the bank and establish referral contacts in the community and specialty industries.
Build rapport with clients and associates and treat others with respect and consideration.
Maintain current knowledge of and comply with applicable regulations and bank policies and procedures, including BSA and OFAC requirements.