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Prevail Bank · 1 hour ago

Credit Analyst/Portfolio Manager

Stevens Point, WI

Full-time

Onsite

New Grad, Entry Level

Prevail Bank is seeking a motivated and detail-oriented individual to join their team as a Credit Analyst/Portfolio Manager. This role is designed as a developmental pathway into a future Lending position, where the successful candidate will support credit and portfolio management functions while gaining insight into underwriting, risk assessment, and relationship management.

BankingFinancial ServicesLending

Responsibilities

Analyze financial statements, tax returns, and other relevant documents to assess creditworthiness

Prepare detailed credit presentations for loan requests

Assist in structuring loan terms and conditions in alignment with policy and risk appetite

Collaborate with lenders and loan operations to ensure timely and accurate loan processing

Participate in loan committee presentations and discussions

Completes reviews on all credit relationships as assigned, including a complete analysis of financial statements, collateral evaluation, payment history, risk rating review and any adverse industry or economic changes

Manage assigned loan portfolios, ensuring proactive communication with borrowers

Identify opportunities for portfolio growth and cross-selling of bank products

Support loan renewals, modifications, and annual reviews

Assist in managing delinquencies and workout strategies when necessary

Build relationships with clients and internal stakeholders to support long-term success

Contribute to strategic growth initiatives and community engagement

Focus on building a network of centers of influence and trusted referral sources

Shadow experienced lenders and participate in client meetings

Begin originating new loan opportunities

Develop a personal portfolio of clients and prospects

Participate in special projects or assignments as necessary

Perform other duties as required to fulfill the responsibilities of the position

Follow procedures and policies that ensure compliance with not only Bank policies and procedures, but also all applicable federal and state banking regulatory agency policies

Comply with bank standards for attendance and hours of work

Qualification

Credit analysisFinancial modelingBanking experienceAnalytical skillsCustomer orientationProfessionalismChange managementCommunication skillsOrganizational skillsTime managementTeam playerAdaptabilityAttention to detail

Required

Bachelor's degree from four-year college or university and/or relevant industry experience

Experience in credit analysis, banking, or financial services is strongly preferred

Strong analytical, communication, and organizational skills

Proficiency in financial modeling

Desire to grow into a client-facing lending role

Adaptability: Able to adjust quickly to different work situations; remain composed under pressure and in stressful situations

Attention to Detail: Regard for important details to assure accuracy in every transaction performed; detect errors; follow through on corrections and details

Change Management: Must embrace change and see change as opportunity. Must be willing to express and support management's ideas to affected staff

Customer Orientation: Respond sensitively to the needs and priorities of the customer; recognize and take appropriate action to meet their needs; establish an effective working relationship with customers to gain their respect and loyalty

Oral/Written Communication: The ability to express thoughts and ideas in a clear and concise manner, both orally and in written form to a variety of audiences and to all levels of staff

Professionalism: Project a positive image of the bank to all internal and external customers

Time Management: Ability to effectively manage one's time to complete work according to established deadlines. The ability to prioritize tasks to make the best use of time for high priority tasks

Team Player: Must view oneself as part of an overall team. This includes supporting others throughout the entire bank to achieve the overall goals of the bank