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Senior Commercial Portfolio Manager
Position Title: Portfolio Manager
Reports To: CEO, Senior Lender, or other designated local senior management
SUMMARY:
Responsible for managing larger commercial credits. Ensures the portfolio achieves soundness, probability, and growth objectives. Provides credit and sales support to Commercial Lending.
JOB REQUIREMENTS:
- Bachelor’s Degree from an accredited school with course work in finance and accounting preferred
- 5+ years’ work experience related to various aspects of commercial lending
- Possesses a proficient knowledge of credit policy, banking regulations, and loan documentation issues
- Must be able to spread, analyze, and interpret complex business and personal financial statements and tax returns
- Must be able to analyze relationships, clients, and prospects globally, not just on individual requests
- Must be able to identify strengths and weaknesses of individual requests and make recommendations to address and mitigate perceived risks
- Must prepare and be able to present credit analysis packages through the credit approval chain with limited supervision
- Must possess an extensive knowledge of various loan structures and have the ability to apply this knowledge in the formulation of sound credit recommendations
- Must have excellent interpersonal and communication skills
- Must be able to verbally communicate effectively one-to-one and in groups
- Must be able to write clearly and effectively
- Must be able to develop and maintain cohesive, cooperative working relationship with co-workers
- Must have good personal organization and time management skills
- Must understand and work effectively within the credit culture of the company
- Must allocate time effectively and independently prioritize work load to meet timelines
- Must be able to work with in-house financial reporting applications, including Navigator
- Good mathematical, reading comprehension and writing skills
- Participate in all required compliance training, including Bank Secrecy Act/anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars/conferences, etc.
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JOB FUNCTIONS:
- Working with lenders to manage all aspects of the local loan portfolio including annual reviews, past dues, BBRs, covenant compliance, CARs, collateral exceptions, and other portfolio management tools
- Actively participating and assisting in all aspects of the loan process including calling, underwriting, presenting throughout the credit approval chain, and closing
- Identifying and collecting all relevant information required to analyze credit requests
- Coordinating with Credit Analysts in the preparation of LARs, credit memos, financial spreads, and related documents
- Serving as secondary contact on client relationships
- Identifying cross-sell opportunities with new and existing clients
- Preparing commitment letters and reviewing loan documents
- Assisting lenders in their prospecting efforts
- Other duties as assigned
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