Analyst, Underwriter & Portfolio Manager - Regional Commercial Bank

Discover Financial
Charlotte, Plano
Workplace: OnsiteFull timeUSD 131,300 - 149,800 annuallyFunction: Capital Markets, Trading & QuantExperience: 2+ yearsEducation: bachelorsSkills: ["Communication","Analysis","Problem-solving","Attention to detail","Ownership"]

Underwrite new commercial bank transactions and manage an existing loan portfolio, balancing growth support with scalable credit risk oversight. Perform due diligence, financial analysis, and modeling to assess risks and recommend mitigants. Draft substantial portions of credit approval documentation, coordinate closings, and independently handle annual reviews and portfolio risk rating changes while ensuring compliance with credit policies.

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Discover Financial
Discover Financial
2 days ago

Analyst, Underwriter & Portfolio Manager - Regional Commercial Bank

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Source: Company careers pageValidated by: Fursa AI
Last checked: 6 hours agoStatus: Live

Job Summary

Underwrite new commercial bank transactions and manage an existing loan portfolio, balancing growth support with scalable credit risk oversight. Perform due diligence, financial analysis, and modeling to assess risks and recommend mitigants. Draft substantial portions of credit approval documentation, coordinate closings, and independently handle annual reviews and portfolio risk rating changes while ensuring compliance with credit policies.
Location: Charlotte, Plano
Workplace: Onsite
Employment Type: Full time
Job Function: Capital Markets, Trading & Quant
Seniority: Mid level

Key Responsibilities

  • •Perform due diligence and synthesize research on industry and company performance, escalating trends or anomalies.
  • •Conduct thorough financial analysis and prepare financial modeling inputs to evaluate risk and mitigants.
  • •Analyze structuring options based on collateral and borrower valuation, and prepare credit approval documentation.
  • •Coordinate and complete closing process requirements, including drafting term sheets and commitment/fee letters with guidance.
  • •Manage and monitor a portfolio, perform annual reviews, determine risk rating upgrades/downgrades, and ensure compliance with credit policies.

Pay and Benefits

Salary: USD 131,300 - 149,800 annually

Key Requirements

  • •Bachelor’s degree or Military Experience.
  • •At least 2 years of experience in credit underwriting, portfolio management, or asset management.
  • •Perform due diligence and synthesize research to draw conclusions with minimal oversight.
  • •Demonstrate strong financial analysis skills, including identifying risks and mitigation approaches.
  • •Prepare and contribute to credit approval documentation, including understanding credit documents.
Experience:2+ years
Education:Bachelor's
Skills:CommunicationAnalysisProblem-solvingAttention to detailOwnership

Eligibility

Work Authorization:Authorization required. Sponsorship not provided.

Company Brief

Discover Financial
Provides consumer banking products, credit cards, personal loans, and payment services through the Discover brand. It operates a major U.S. financial network and serves individuals and merchants with lending and digital payment solutions.
Industry: Retail Banking
Company Size: Enterprise (1,001+ employees)
Revenue: USD 10M to 25M
Growth: Public Company
Valuation: Public Company (Market Cap in USD)
Funding: IPO / Publicly Listed
Headquarters: Riverwoods, United States
Founded: 1985
WebsiteLinkedIn