Eric Kirking
Holmen,WI
Summary
Analytical banking professional with 13 years of experience in credit analysis, portfolio management and loan origination within commercial and residential lending environments developing the ability to analyze complex financial statements, monitor portfolio performance and identify credit risks.
Overview
11
11
years of professional experience
Work History
Senior Portfolio Manager | Bank Officer
State Bank Financial
La Crosse, WI
12.2025 - Current
- Serve as team leader within Portfolio Management supporting complex and high-value commercial credit transactions ensuring adherence to loan policy and sound credit risk management practices
- Active role in overall credit risk management of the bank’s commercial credit portfolio through past due monitoring, loan covenant compliance, ensuring accurate risk rating assessment and identification of early triggers for possible future credit impairment or losses
- Act as Subject Matter Expert for loan production and credit review software assisting internal teams with optimization and troubleshooting
- Train and mentor peers within the Portfolio Management group at the bank as well as Credit Analyst Interns
- Recognized with the Excellence in Action Award for outstanding performance and contributions to team success
Portfolio Manager | Bank Officer
State Bank Financial
La Crosse, WI
03.2024 - 12.2025
- Underwrote and analyzed financial documentation including personal and business tax returns, balance sheets, income statements, compiled financial statements, etc. according to bank policy to assess the overall risk of credit transactions
- Created credit review memos for credit request approvals and presented to Loan Committees and Board of Directors’ meetings as necessary
- Utilized Finastra Credit Quest and Excel analysis to evaluate borrower financial performance, assess risk exposure, and develop credit recommendations.
- Assisted in managing the overall commercial loan portfolio of the bank
- Worked among internal departments to create process efficiencies, troubleshoot issues, and collaborate in finding solutions
AVP - Mortgage Loan Originator
State Bank Financial
La Crosse, WI
01.2021 - 03.2024
- Underwrote and analyzed financial documentation including personal and business tax returns, financial statements, and paystubs
- Originated residential mortgage loans in compliance with GSE and portfolio standards and policies
- Worked closely with customers, loan processing, realtors, title companies, and insurance agents to ensure timely real estate transactions and an efficient loan process
- Provided service and support to existing loan portfolio customers
Mortgage Loan Officer
Citizens State Bank of La Crosse
La Crosse, WI
11.2017 - 03.2021
- Underwrote and analyzed financial documentation including personal and business tax returns, financial statements, and paystubs
- Originated residential mortgage loans in compliance with GSE and portfolio standards and policies
- Worked closely with customers, loan processing, realtors, title companies, and insurance agents to ensure timely real estate transactions and an efficient loan process
- Provided service and support to existing loan portfolio customers
Mortgage Sales Assistant
Associated Bank
Onalaska, WI
10.2016 - 11.2017
- Provided support to two mortgage loan officers in Onalaska and La Crosse in helping manage their loan pipelines
- Helped coordinate with realtors, title companies, insurance companies, and borrowers to work towards their loan closing on time
- Worked closely with mortgage loan processing team to clear outstanding loan conditions
- Involved in all aspects of the mortgage loan process
Relationship Banker
Associated Bank
Onalaska, WI
10.2014 - 10.2016
- Built relationships with new customers and deepened relationships with existing customers
- Analyzed individual financial situations to determine the best products and services for customers
- Worked as a team with coworkers and partners to ensure every customer is maximizing banking benefits
- Designated lender for all consumer credit inquiries except home mortgage loans, application input and document collection
Education
Bachelor's degree - Finance, emphasis in Risk, Insurance, and Financial Planning, Minor in Accounting
University of Wisconsin, La Crosse
La Crosse, WI12-2012
Dale Carnegie Training Program -
Dale Carnegie
La Crosse04-2020
Skills
- Credit Risk Analysis
- Commercial Loan Underwriting
- Financial Statement Analysis
- Portfolio Risk Management
- Financial Modeling and Excel Analysis
Timeline
Senior Portfolio Manager | Bank Officer
State Bank Financial
12.2025 - Current
Portfolio Manager | Bank Officer
State Bank Financial
03.2024 - 12.2025
AVP - Mortgage Loan Originator
State Bank Financial
01.2021 - 03.2024
Mortgage Loan Officer
Citizens State Bank of La Crosse
11.2017 - 03.2021
Mortgage Sales Assistant
Associated Bank
10.2016 - 11.2017
Relationship Banker
Associated Bank
10.2014 - 10.2016
Bachelor's degree - Finance, emphasis in Risk, Insurance, and Financial Planning, Minor in Accounting
University of Wisconsin, La Crosse
Dale Carnegie Training Program -
Dale Carnegie
COMMUNITY INVOLVEMENT
Onalaska Hilltopper Rotary, Club Member, November 2021 - March 2023, May 2025 - Present