A well-established financial services organization in El Paso is seeking an experienced and detail-oriented Commercial Portfolio Manager / Underwriter to support its business lending operations. This role requires a professional with strong analytical expertise, sound judgment, and the ability to evaluate complex financial information. Reporting to the Business Services Operations Administrator, the Commercial Portfolio Manager / Underwriter is responsible for reviewing and analyzing commercial loan requests, supporting lending decisions, ensuring compliance with internal policies and regulatory requirements, and contributing to the overall performance and growth of the commercial loan portfolio.
RESPONSIBILITIES AND DUTIES:- Provide analysis and review of commercial loan requests, including real estate and non-real estate secured loans
- Prepare and review loan presentations for committee approval
- Analyze financial statements, tax returns, balance sheets, and income statements for borrowers and guarantors
- Perform financial statement spreading and analysis on new and existing loan relationships
- Evaluate creditworthiness based on cash flow, debt service capacity, and risk factors
- Conduct market and industry analysis related to proposed loan requests
- Calculate and interpret financial ratios to assess borrower performance
- Provide recommendations on loan structures, terms, and interest rates
- Assist commercial lenders in preparing clear and concise loan presentations
- Ensure compliance with internal policies, procedures, and applicable regulations
- Communicate with borrowers, guarantors, accountants, and other financial professionals to gather and interpret financial information
- Support ongoing portfolio management, including reporting, tracking, and monitoring requirements
- Collaborate with internal teams to resolve issues and support cross-functional efforts
- Maintain knowledge of lending products and services through training and development
- Build and maintain strong working relationships with lending staff, leadership, and stakeholders
- Assist management with departmental operations and other duties as needed
Comply with Bank Secrecy Act (BSA), Customer Identification Program (CIP), and all applicable regulations
Perform other duties as assigned to support business operations
REQUIREMENTS AND QUALIFICATIONS:- Bachelor's degree in Business Administration, Finance, or related field required
- Thorough knowledge of credit products, commercial lending policy, all applicable laws and regulations, credit quality standards, company and business line policies and procedures
- Minimum of 5+ years of credit analysis and/or loan review experience, preferably in the banking industry, and 8 years of related or similar lending experience.
- Anticipates Business Member needs and develops a reputation for responsiveness
- Ensures success of change implementation through business strategy improvement and effective communication strategy for the commercial portfolio
- Strong analytical skills with the ability to interpret complex financial information and identify risk
- Good understanding of financial industry concepts, related laws, and regulations
- Ability to work on multiple transactions simultaneously and prioritize assignments to meet deadlines
- Previous credit union experience is a plus
- Excellent communication skills and avid listener, strong business writing
- Entrepreneurial mindset and quick to adapt to fast paced environment
- High integrity, detail oriented, and ability to evaluate and mitigate risk
- Proficient in Microsoft Office and web-based applications (Excel Pivot Table knowledge a plus)
- Applicants may be subject to a background check.*
A pre-employment screening may be required as a condition of employment.
*A conviction does not automatically disqualify you from employment. We will consider factors such as the timing, nature, and seriousness of any offense, as well as evidence of rehabilitation.
