Portfolio Manager

With history dating back to 1856, American National Bank is one of the largest privately owned banks in the region with locations in Nebraska, Iowa and Minnesota. We believe in doing. By joining forces with local businesses, charitable organizations and our team members, we are proud to be part of the momentum that keeps the community around us building and growing. Together we can be the catalyst for making great things happen. Join our company to be a part of this inspirational movement and learn how we can grow your career.

Benefits & Perks

Benefit eligible employees will have access to the following:

• Competitive compensation
• 401K with up to 4% employer match; immediate vesting
• Paid time off and paid holidays
• Medical/Dental/Vision/Life/Disability Insurance
• Tuition Reimbursement
• Volunteer time off
• Gym membership discount
• Employee Wellness Program
• Employee banking benefits and discounts

Job Summary

American National Bank is looking for a new Portfolio Manager to partner with Commercial Bankers in servicing all aspects of a commercial loan portfolio, including credit analysis, risk management and cross sales.

Essential Job Duties & Responsibilities

• Gathers necessary financial information from clients and analyzes source documents, such as various types of financial statements, tax returns, credit bureau reports and supplemental information to determine potential risk and repayment of loan based on historical and pro-forma repayment capacity.
• Develops credit information, such as debt service ability and cash flow analysis, for use by banking officers and/or committees in making lending decisions on new, renewed and existing loans.
• Accurately assess the bank quality rating of the customer based on financial performance, industry and other variables.
• Assist in managing annual reviews and renewals, portfolio reviews, collateral exceptions, borrowing bases and delinquencies.
• Manage risk on an ongoing basis by monitoring customer credit worthiness, adherence to loan terms and general business conditions.

Experience Needed:

• 1-2 years previous experience in credit analysis or commercial banking preferred.
• Previous banking experience preferred.

Education, Licensure & Certification Needed:

• Bachelor’s Degree in business, accounting, finance strongly preferred or equivalent experience required.

Skills & Abilities Needed:

• Knowledge of spreadsheet applications as they pertain to financial analysis. Strong working knowledge of Microsoft Excel.
• Ability to analyze various types of financial statements and credit reports, both business and consumer related.
• Ability to effectively communicate orally and in writing.