Vice President at Capra Bank – Albuquerque, New Mexico

Summary:

The VP, Commercial Underwriting is responsible for managing and growing a portfolio of commercial banking relationships, ensuring strong credit quality, profitability and customer satisfaction. This role supports commercial bankers/relationship managers by conducting financial analysis, underwriting, credit requests, monitoring loan performance and identifying opportunities for portfolio expansion.

Key Responsibilities:

• Oversee a diverse commercial loan portfolio, ensuring quality, compliance and profitability.
• Conduct financial analysis on borrowers, assess risks, and prepare credit memos for approval.
• Monitor loan performance, identify potential risks, and implement proactive measures to minimize credit losses.
• Assist in managing client relationships, providing financial insights, and responding to client needs.
• Stay informed about industry trends, economic conditions, and regulatory changes affecting the portfolio.
• Work closely with relationship managers, credit officers, and leadership to optimize portfolio growth and stability.

Required Skills:

• Strong understanding of financial statements, cash flow analysis and credit underwriting principles.
• Knowledge of banking regulations, loan structuring and risk assessment.
• Excellent communication, organizational and analytical skills.
• Proficiency with Microsoft Office Suite and additional banking systems.

Education and Experience:

• 3 years experience in commercial lending, credit analysis or portfolio management within banking.

Physical Requirements:

• Must be able to lift up to 15 pounds at one time.
• May need to sit for long periods of time while working on a computer.