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Loan Portfolio Analysis Jobs (NOW HIRING)

Hilltop Holdings

Loan Portfolio Manager

Dallas, TX · On-site

The Loan Portfolio Manager underwrites credit exposure and actively manages an assigned portfolio ... Prepares written analyses, as appropriate and within the scope of the Bank's credit policies ...

Santa Cruz County Bank

Loan Portfolio Manager

Salinas, CA · On-site

$75K - $125K/yr

The Loan Portfolio Manager is responsible for managing the existing loan portfolio and client ... Identify specific business needs of client and determine loan limits by analyzing financial data.

Axos Bank

Portfolio Analyst I

San Diego, CA · On-site

$63.04/hr

Support managing the loan portfolio within the Real Estate Lender Finance Group. * Conduct day‑to‑day duties including financial statement analysis, covenant tracking, gathering essential ...

Axos Bank

Portfolio Analyst I

San Diego, CA · On-site

$22 - $26/hr

... loans. The role involves day-to-day duties such as financial statement analysis, covenant tracking, gathering essential portfolio data, and maintaining credit files. Responsibilities: * The Portfolio ...

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Loan Portfolio Analysis information

See salary details

$36K

$47.1K

$88K

How much do loan portfolio analysis jobs pay per year?

As of Sep 4, 2026, the average yearly pay for loan portfolio analysis in the United States is $47,084.00, according to ZipRecruiter salary data. Most workers in this role earn between $37,500.00 and $50,500.00 per year, depending on experience, location, and employer.

What is loan portfolio analysis?

Loan portfolio analysis is the process of evaluating a bank or lender's group of loans to assess risk, performance, and profitability. Analysts review trends such as default rates, credit quality, sector exposure, and geographic distribution. The goal is to identify potential issues, ensure regulatory compliance, and guide decision-making for lending strategies. This analysis helps institutions maintain a healthy loan book and minimize financial losses.

What are the key skills and qualifications needed to thrive as a loan portfolio analyst?

To thrive as a Loan Portfolio Analyst, you need strong analytical abilities, financial modeling expertise, and a background in finance, accounting, or a related field. Familiarity with credit risk assessment tools, portfolio management software, and advanced Excel skills is typically required, and certifications like CFA or FRM can be advantageous. Attention to detail, problem-solving skills, and effective communication help analysts interpret data and present findings to stakeholders. These competencies are crucial for accurately assessing portfolio risk, ensuring regulatory compliance, and supporting sound lending decisions.

What are some common challenges faced in a loan portfolio analysis role, and how can they be addressed?

Professionals in Loan Portfolio Analysis often encounter challenges such as managing large volumes of data, identifying early signs of credit risk, and adapting to changing regulatory requirements. Staying organized with robust data management tools and regularly updating analytical methods can help mitigate these issues. Collaboration with credit officers and risk management teams is also crucial to ensure accurate assessments and timely responses to potential risks. Continuous professional development and staying informed about industry changes are key for success in this role.

What is the difference between Loan Portfolio Analysis vs Credit Analyst?

AspectLoan Portfolio AnalysisCredit Analyst
Primary FocusAssessing overall loan portfolio performance and riskEvaluating individual credit applications and borrower creditworthiness
Skills & CertificationsFinancial analysis, risk management, data analysis, certifications like CFA or FRMCredit analysis, financial statement analysis, certifications like CFA or CCFA
Work EnvironmentBanking, financial institutions, investment firmsBanks, lending institutions, credit agencies

While both roles involve financial analysis and risk assessment, Loan Portfolio Analysis focuses on managing and optimizing entire loan portfolios, whereas Credit Analysts evaluate individual borrower applications. Understanding these differences helps professionals choose the right career path or employers seeking specific expertise.

What does a loan portfolio analyst do?

A loan portfolio analyst evaluates the performance and risk of a company's loan assets by analyzing financial data, credit quality, and market trends. They use tools like spreadsheets and financial modeling to identify potential issues and recommend strategies to optimize the portfolio's profitability and compliance. Strong analytical skills and knowledge of lending practices are essential for this role.
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What job categories do people searching Loan Portfolio Analysis jobs look for?

The top searched job categories for Loan Portfolio Analysis jobs are:

Loan Portfolio Analysis jobs near you
Infographic showing various Loan Portfolio Analysis job openings in the United States as of August 2026, with employment types broken down into 86% Full Time, 12% Part Time, and 2% Contract. Highlights an 83% Physical, 4% Hybrid, and 13% Remote job distribution, with an average salary of $47,084 per year, or $22.6 per hour.

Loan Portfolio Manager

Hilltop Holdings

Dallas, TX • On-site

Full-time

Re-posted 5 days ago

Key responsibilities

  • Performs monitoring and servicing activities on an assigned portfolio of commercial relationships, including managing loan performance and ensuring compliance.

  • Reviews and assesses credit quality of existing loans, monitors inspections, and confirms loan advance requests in coordination with relevant teams.

  • Analyzes financial statements and prepares written credit analyses to support loan approval, renewal, and modification processes.

Job description


PlainsCapital Bank is seeking to hire a Loan Portfolio Manager.
The Loan Portfolio Manager underwrites credit exposure and actively manages an assigned portfolio of commercial client relationships under the supervision of the Director, Portfolio Management. The typical portfolio will consist of a variety of commercial loans including lines of credit, term notes, and commercial mortgages. The Portfolio Manager works closely with lenders and acts as an extension of the relationship team by sharing responsibility for developing team solutions for credit, deposit and other Bank products and services.
Responsibilities
  • Performs monitoring and servicing activities on an assigned portfolio of commercial relationships of varying size and complexity:
    • Manages loan performance to ensure credit portfolio remains robust and compliant; including, minimizing and resolving exceptions and past dues;
    • Conducts regular reviews of existing loans to assess credit quality and identify potential risks; intervenes as necessary to ensure loans maintain good standing;
    • Monitors inspections pertaining to real estate construction projects; orders inspections on projects at defined dollar amounts, as outlined by internal policy;
    • Confirms that loan advance requests are valid as compared to project completion and coordinates with Loan Officer and Construction Draw Desk to advance funds to borrowers;
    • Monitors covenant compliance and remediates any regulatory breaches; calculates and analyzes borrowing bases to ensure ongoing compliance.
  • Reviews and approves loan modification and collateral substitution requests.
  • Monitors maturity reports and prepares renewals when necessary.
  • Analyzes financial statements (including performance ratios) to evaluate the credit worthiness of new loan requests, renewals, and modifications for an assigned portfolio of commercial clients and prospects.
  • Prepares written analyses, as appropriate and within the scope of the Bank's credit policies/procedures.
  • Supports Loan Officers in guiding credit requests through the approval process, including preparing credit memos and loan proposals; participates in presentations to lending leadership, credit officers, and/or loan committee
  • Supports Credit Administration in booking and verifies loan agreements accurately reflect credit approvals.
  • Participates in day-to-day client interaction in conjunction with and/or under the guidance of Loan Officers and/or Portfolio Management leadership team; accompanies Loan Officers on calls with existing and/or prospective clients as requested.
  • Maintains working knowledge of Bank products, services, departments; assists Loan Officers in identifying cross-sell opportunities as appropriate.
  • Actively participates in and completes all assigned training and development sessions/initiatives.
  • Other duties as required.

Qualifications
  • Must be eligible to work in the U.S. without sponsorship now or in the future.
  • Must be able to report to our PlainsCapital Branch located at 3417 Gaston Ave., Dallas, TX 75246, without the need for relocation assistance.
  • Bachelor's degree in Business related field required. Strong preference for Finance or Accounting major or concentration.
  • 1 to 3 years of commercial banking experience, with a strong preference for the completion of a commercial credit training or similar program.
  • Demonstrated comprehension of the application of financial theory to borrower credit worthiness.
  • Ability to travel within designated market/region in order to assist with customer relationships.
  • Ability to work after Bank operating hours and/or on the weekend.
  • Excellent verbal, written and interpersonal communication skills.
  • Excellent PC skills, including word processing and spreadsheets via Microsoft Office products as well as custom applications and systems.
  • Excellent analytical, time management, organizational and problem-solving skills with the ability to multi-task and work in a deadline-driven environment.
  • Must be self-motivated with strong initiative, accountability, and attention to detail.
  • Ability to interface effectively and professionally with senior/executive level management.

The above statements are intended to describe the general nature and level of work being performed by individuals in, or assigned to, the above position and are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required, and may be changed at the discretion of the Company.

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