Overview In this role you will oversee a commercial loan portfolio for international trade clients from our Houston team, ensuring sound risk management and regulatory compliance. You will work closely with Relationship Managers and Credit Officers to support portfolio growth while maintaining high credit quality. You will analyze financials, market risks, and collateral to support credit decisions and proactively mitigate deteriorating relationships. This is an impact-driven position in a full-service international lending group, offering exposure to exporters, importers, and foreign-owned subsidiaries.
Compensation / Benefits- Medical, Dental and Vision Insurance - START DAY ONE
- Life and Disability Insurance
- Paid Paternal Leave and Adoption Assistance
- Health Savings (HSA) and Flexible Spending (FSA) accounts
- Paid Training and PTO with holidays
- 401(k) plan with company match and profit sharing
Responsibilities- Manage all aspects of an assigned commercial loan portfolio.
- Prepare credit memorandums analyzing financial performance, industry and market risks, collateral, guarantor strength, and loan structure to assess creditworthiness.
- Monitor loan maturities, delinquencies, collateral, reporting requirements, covenant compliance, risk ratings, and portfolio reporting.
- Identify emerging risks and implement risk mitigation strategies for deteriorating credits.
- Stay informed on economic, industry, and market trends affecting portfolio performance and credit quality.
- Collaborate with Relationship Managers, Credit Officers, Compliance Officers, and management to support portfolio growth with strong credit quality and regulatory compliance.
- Communicate with clients regarding financial reporting and portfolio-related needs.
- Perform other duties and special projects as assigned.
Key requirements- Bachelor's degree in Finance, Accounting, Economics, Business Administration, or related field
- Minimum of 5 years in commercial banking, credit underwriting, analysis, or portfolio management
- Strong knowledge of commercial lending, financial statement and cash flow analysis, risk assessment, underwriting, loan documentation, and portfolio management
- Proficiency in Microsoft Excel, Word, PowerPoint, and other business applications
- Fluency in Spanish
- Analytical and problem-solving abilities
- Excellent written, verbal, and presentation communication
- Strong collaboration with clients and cross-functional teams
- Financial statement analysis
- Cash flow analysis
- Credit underwriting
