Portfolio Manager / Credit Analyst

About the Role We are seeking a skilled and proactive Credit Analyst / Portfolio Manager to join a community‑focused bank located in South Texas. This role combines rigorous credit analysis with ongoing portfolio oversight – ideal for a finance professional who enjoys both analytical work and relationship management. You will support lending decisions, monitor loan performance, and help maintain a high‑quality loan portfolio that supports local businesses and consumers. Key Responsibilities Analyze financial statements, tax returns, credit reports, and cash‑flow projections to determine borrower creditworthiness. Prepare clear, data‑driven loan memoranda and risk assessments for loan committee presentation. Manage and monitor a mixed portfolio of commercial and consumer loans, identifying potential issues early and recommending remediation. Collaborate with lenders on new credit requests, renewals, covenant monitoring, and workout strategies when needed. Ensure loan documentation and underwriting comply with internal policies and regulatory requirements. Build strong relationships with customers and internal partners to support timely decision‑making and excellent client service. Qualifications Bachelor’s degree in Finance, Accounting, Business, or related field – or equivalent banking experience. Proven experience in credit analysis, portfolio management, or commercial lending at a community or regional bank. Strong financial modeling and analytical skills; comfortable reviewing complex financial statements. Excellent written and verbal communication – able to prepare concise loan recommendations and present to stakeholders. Familiarity with banking regulations, underwriting standards, and risk management best practices. High attention to detail, sound judgment, and integrity when evaluating credit risk. Why You’ll Love It Here Competitive pay within the range of $70,000–$85,000 , commensurate with experience. Relocation assistance to help you transition smoothly to South Texas. Comprehensive benefits including medical, dental, vision, and retirement planning. Friendly, community‑minded culture where your work directly supports local businesses and families. Opportunities for professional development and internal advancement in a growing bank. Quick Facts Title: Credit Analyst / Portfolio Manager Location: South Texas (easy access to San Antonio) Salary: $70K–$85K Relocation: Moving expenses provided Benefits: Full benefits package #J-18808-Ljbffr