Senior Portfolio Analyst

Stellar Bank • Houston, TX

1d

About The Position

The Portfolio Analysis team is responsible for monitoring the health and performance of the bank’s existing commercial and corporate loan portfolio. Their work ensures that loans continue to meet risk standards after origination, providing early identification of potential issues and supporting proactive risk management. Portfolio Analysts review financial updates, track covenant compliance, and assess changes in borrower performance or market conditions. They also update risk ratings, analyze trends, and collaborate with Relationship Managers to address concerns or recommend adjustments. By maintaining a clear, ongoing view of portfolio quality, this team helps protect the bank from emerging risks while supporting client relationships and long-term stability. Their role is essential to sustaining credit quality and ensuring that growth remains balanced with prudent oversight. Senior Portfolio Analyst oversees complex portfolio monitoring activities, including high-value renewals and advanced compliance reviews. This role conducts in-depth financial analysis, updates profitability metrics, and ensures accurate risk ratings for large or specialized relationships. Senior Analysts also review exceptions, validate third-party valuations, and collaborate with Relationship Managers on resolving compliance issues. By providing expert oversight of portfolio health, this position helps maintain credit quality and supports strategic client management.

Requirements

• Bachelor’s degree required; advanced coursework preferred.
• 3+ years in portfolio or credit analysis.
• Expertise in covenant compliance and risk rating methodologies.
• Advanced proficiency in Abrigo Sageworks and integrated systems.
• Strong analytical and decision-making skills.
• Ability to mentor and guide junior analysts.
• Excellent communication and collaboration skills.

Responsibilities

• Lead annual review workflows for complex relationships, including cash flow and collateral analysis.
• Review and approve covenant compliance calculations and borrowing base submissions.
• Update profitability metrics in Precision Lender and ensure accurate risk ratings.
• Identify and resolve exceptions, documenting actions in Abrigo Sageworks.
• Serve as a resource for junior analysts on technical portfolio tasks.
• Support Relationship Managers with compliance and renewal requirements.
• Compliance with any and all BSA/AML/CFT and Sanctions requirements set forth by Bank Policy and Procedure, including but not limited to timely completion of assigned training.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 1-10 employees