Commercial Portfolio Manager

About the position

The position involves daily management of assigned commercial loan relationships for Commercial Relationship Bankers (CRBs), providing high levels of customer support, obtaining financial and collateral information, monitoring compliance with covenants and borrowing bases, managing CRB exception lists, assisting in the preparation of credit approval packages, and documenting and closing requests. The role requires serving as a client relationship representative, coordinating the credit underwriting process, monitoring loan agreement covenants, ensuring timely receipt of financial information, and consulting with Relationship Managers and Credit on risk ratings. Additionally, the position involves maintaining an active role in community affairs to enhance the bank's visibility and business opportunities.

Responsibilities

• Serves as a client relationship representative to all customers by listening, researching, and resolving complaints/inquiries as needed.
• Provides guided levels of support, with direct supervision, to CRBs and the entire lending team on commercial relationships.
• Monitors compliance with legal, regulatory and credit policies on loan documentation, credit approvals and funding, correcting exceptions, and monitoring resolutions.
• Coordinates credit underwriting process and preparation of credit approval packages.
• Monitors loan agreement covenants and borrowing base compliance, as well as report exceptions.
• Ensures ongoing timely receipt of financial information consistent with bank policy.
• Proactively ensures expiring credit facilities are re-underwritten and appropriately re-established.
• Consults with Relationship Managers and Credit to make recommendations on risk ratings.
• Reviews equipment and real estate appraisals in conjunction with Relationship Managers.
• Assists with Watch List credits (prepares CARs; communicates with customers regarding reducing credit exposure, paying off or refinancing notes, or rehabbing operational and financial results).
• Inputs loan requests and supporting information into loan processing software.
• Maintains an active role in community affairs by participation in community organizations/projects to improve the bank's visibility in the area and enhance business opportunities.

Requirements

• Bachelor's degree (B. A.) from four-year college or university; preferably in Finance, Business, Accounting or related field.
• Minimum of one to three years credit analysis and/or lending experience.
• Working knowledge of federal/state laws related to banking/lending practices.
• Advanced knowledge of credit policies, procedures and terminology preferred.
• Knowledge of the Internet, Outlook, Microsoft Word and Excel.
• Ability to learn bank-specific software such as MPC, IBS, ADP, etc.
• Ability to use basic office machines.

Benefits

• Equal opportunity employer
• Community involvement opportunities