Commercial Loan Portfolio Manager

United Fidelity Bank - Evansville, IN

Full-time - Mid Level

Evansville, IN

1-10 employees

About the position

The Commercial Loan Portfolio Manager at United Fidelity Bank is responsible for the proactive management of a commercial loan portfolio and related commercial deposit accounts. This role focuses on delivering superior client services to retain and grow the portfolio while ensuring ongoing credit monitoring and risk rating management to mitigate risks in accordance with the Lending Policy. The position requires strong analytical skills and the ability to thrive in a dynamic, fast-paced work environment.

Responsibilities

• Responsible for the underwriting and portfolio management activities on loans assigned.
• Communicate with clients to obtain information necessary to manage the loan relationship.
• Analyze clients' financial status, credit, and property evaluations to determine feasibility of granting loans.
• Handle client complaints and take appropriate action to resolve them.
• Prepare reports to send to clients whose accounts are delinquent, and forward irreconcilable accounts for collector action.
• Contact clients or creditors to resolve questions about applications or to assist with completion of paperwork.
• Contact clients with delinquent accounts to obtain payment in full or to negotiate repayment plans.
• Match individuals' needs and eligibility with available financial aid programs to provide informed recommendations.
• Stay abreast of new types of loans and other financial services and products to better meet clients' needs.
• Review loan documentation to ensure that they are complete and accurate according to policy.
• Review and update credit and loan files.
• Authorize or sign mail collection letters.
• Calculate amount of debt and funds available to plan methods of payoff and to estimate time for debt liquidation.
• Maintain and review account records, updating and recategorizing them according to status changes.
• Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
• Maintain knowledge of banking related federal, state, and local laws and statutes and regulations.
• Review billing for accuracy.
• Perform duties related to the Bank Secrecy Act under the guidance of the BSA Officer.

Requirements

• Bachelor's Degree required, preferably in accounting.
• A minimum of ten (10) years' experience in a similar position.
• Advanced level of commercial underwriting experience required, including Multifamily housing.
• Sageworks or other spreading software experience required.
• High proficiency in MS Office Suite.

Nice-to-haves

• Experience with Fiserv core products preferred.