Portfolio Manager

Job Description

About The Role

DUTIES AND RESPONSIBILITIES:

• Manages an assigned portfolio of credits, anticipating new opportunities, upcoming maturities, periodic reviews and potential problems.
• Supports Relationship Managers in related portfolio management activities, whether related to credit, depository, or other banking services.
• Responsible for the ongoing management of the portfolio, including developing a relationship with each client relationship.
• Manages the collection of required financial statements, etc. for loans within respective portfolio.
• Spreads and/or analyzes financial statements and tax returns of potential and existing customers using appropriate tools and credit criteria.
• Prepares and/or oversees the preparation of credit authorizations, supporting documents and loan information sheets for new and existing accounts. Oversee preparation of collateral and loan documentation.
• Work with Relationship Managers in monitoring performance of individual credit relationships to identify risk and minimize potential losses. Recommends approval and/or changes in new or existing credit facilities.
• May Assist Relationship Managers with business development call preparation.
• Performs annual term loan reviews.
• Actively participates in Bank related and community volunteer events as well as business development related activities.
• Monitors compliance with loan agreement covenants.
• Maintain service level expectations as defined by the bank.
• Performs related duties as assigned.
• Comply with Bank policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.

About You

REQUIRED QUALIFICATIONS:

• Minimum of 2 years of experience in commercial lending, banking, finance or related experience.
• Must have a fundamental understanding of the commercial lending process and possess the skills and abilities to take a credit request from application to close.
• Proficiency with Microsoft applications (Word, Excel, Outlook)
• Excellent communication skills both verbal and written to maintain a heavy volume of correspondence, personal contact, and telephone communication.
• Ability to maintain strict confidentiality
• Ability to multi-task and handle complex tasks efficiently. Strong organizational skills with attention to detail
• Excellent customer service skills

 PREFERRED KNOWLEDGE, SKILL, ABILITY:

• Moody’s Financial Analyst and/or similar credit analysis software.
• Jack Henry
• Bachelor’s degree in finance or related field or a combination of related experience