Portfolio Manager at Central State Bank

Calera, Alabama, United States -

Full Time

Start Date

Immediate

Expiry Date

25 Aug, 26

Salary

0.0

Posted On

27 May, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Financial Analysis, Credit Underwriting, Portfolio Management, Cash Flow Analysis, Debt Service Analysis, Risk Assessment, Loan Documentation, Customer Relationship Management, Organizational Skills, Verbal Communication, Written Communication, Microsoft Office

Industry

Banking

Description

Description Portfolio Manager We are seeking a detail-oriented and strategic Portfolio Manager to join our dynamic financial team. This role offers an exciting opportunity to evaluate credit risk, manage a diverse portfolio, and contribute to the growth and stability of our lending operations. If you have a strong analytical mindset and a passion for financial assessment, we invite you to apply and become part of our innovative organization. Key Responsibilities: Prepare and assemble loan request packages for new and existing credit relationships. Perform detailed financial analysis, including business and individual cash flow analysis, debt service analysis, and related underwriting support. Prepare initial Credit Memorandums / Risk Grades for larger, more complex, or higher exposure loan relationships. Monitor assigned loan portfolios for upcoming maturities, financial statement exceptions, past dues, and other servicing needs. Coordinate with lenders and Loan Operations to facilitate renewals, short-term extensions, and ongoing portfolio maintenance. Prepare annual reviews and assist in maintaining updated customer financial information and loan relationship documentation. Assess and analyze credit applications to determine creditworthiness and risk levels Develop and maintain professional working relationships with customers assigned to the portfolio. Serve as a point of contact for customers regarding loan requests, financial information gathering, renewal coordination, and general relationship support. Work closely with Loan Operations, Loan Closers, Lender Assistants, and other internal departments to ensure efficient processing and closing of loan requests. Coordinate the collection of source documents and follow-up items needed for underwriting, closing, and portfolio management. Requirements Banking, lending, underwriting, portfolio management, or related financial services experience preferred. Prior experience with financial statement analysis and credit underwriting strongly preferred. Understanding of commercial and consumer lending products, credit policy, loan documentation, and general banking operations preferred. Bachelor’s degree in Finance, Accounting, Business, or related field preferred, but not required based on relevant experience. Skills & Competencies Strong analytical and organizational skills. Ability to manage multiple relationships and priorities simultaneously. Strong verbal and written communication skills. Ability to work collaboratively across departments. Commitment to quality, accountability, and customer service. Ability to maintain confidentiality and exercise sound judgment. Proficiency with banking systems, financial analysis, and Microsoft Office applications.

Responsibilities

The Portfolio Manager is responsible for evaluating credit risk, performing detailed financial analysis, and managing a diverse loan portfolio. This includes preparing credit memorandums, monitoring loan maturities, and coordinating with internal departments to facilitate renewals and closings.