Portfolio Manager I

Cadence Bank • Anna, TX

118d

About The Position

The position involves assisting in the preparation of credit requests, including new originations, renewals, modifications, and prospect briefings. Under the direction of the Credit & Underwriting Executive, the role ensures the completeness and accuracy of approval documentation in the loan approval, prospect, renewal, and modification processes. The individual will evaluate the structures, quality, integrity, and soundness of all financial analysis and assist in completing all credit request package documents, such as assignment of risk ratings, financial analysis, industry analysis, relationship summary, pricing model, and other required documents needed for loan approval. The role also includes underwriting companies with risk exposure or potential risk exposure to the bank and completing the approval and commitment process, ensuring compliance with Credit Policy and accuracy of documents and supporting exhibits. The position requires working with Relationship Managers and clients to negotiate and communicate final deal structures and terms.

Requirements

• Bachelor's Degree in Business, Accounting, Finance, Economics or equivalent experience.
• 5+ years in a Senior Credit, Loan or Workout position, or 3+ years in a Credit or Loan Workout Officer position, or 2+ years in Commercial Lending Officer type position.
• Ability to interact with all levels of management.
• Ability to work within a team environment and independently.
• Excellent technical and analytical skills.
• Excellent written/verbal communication and interpersonal skills.
• Knowledge of Microsoft Office, particularly Excel.
• Strong negotiation and presentation skills.
• Strong organizational and administrative skills.
• Ability to multi-task.
• Thorough knowledge of financial statements, accounting principles, Credit Policy, applicable laws, and industry data sources.

Responsibilities

• Assists in preparation of credit requests including new originations, renewals, modifications, and prospect briefings.
• Ensures completeness and accuracy of approval documentation in the loan approval, prospect, renewal, and modification processes.
• Evaluates structures, quality, integrity, and soundness of all financial analysis.
• Completes all credit request package documents, such as assignment of risk ratings, financial analysis, industry analysis, relationship summary, pricing model, and other required documents.
• Underwrites companies with risk exposure or potential risk exposure to the bank.
• Completes approval and commitment process ensuring accuracy of approval documents and compliance with Credit Policy.
• Communicates final deal structure, pricing, terms, and conditions to clients and Sales team.
• Frequently visits clients and reviews client performance and financials.
• Serves as primary liaison for client prospects and interacts with existing customers and Corporate Banking Sales teams.
• Provides guidance and mentoring to credit analysts and lending assistants.
• Authenticates all post loan closing activities.
• Monitors, reviews, and ensures compliance on loan covenants and other loan documentation.
• Proactively manages credit risk and exposure for an assigned portfolio.
• Responsible for formal credit review processes such as monitoring and compliance reviews.
• Reviews assigned portfolio and related files for accuracy and completeness.

What This Job Offers

• Career Level: Senior
• Industry: Credit Intermediation and Related Activities
• Education Level: Bachelor's degree