Loan Portfolio Manager

Marine Bank & Trust - Vero Beach, FL

Full-time

Vero Beach, FL

Credit Intermediation and Related Activities

About the position

The Loan Portfolio Manager plays a crucial role in supporting the Commercial Banking Group by managing the existing commercial, residential, and consumer loan portfolio. This position involves interacting with various stakeholders, including loan officers and third-party providers, to ensure the accurate and timely servicing of loans. The manager is responsible for preparing loan requests, conducting financial analysis, and ensuring compliance with regulatory requirements while providing excellent service to both internal and external customers.

Responsibilities

• Oversee the existing commercial, residential, and consumer loan portfolio.
• Prepare new loan requests, process renewals, annual reviews, and modifications.
• Perform financial statement analysis to determine acceptable quality of collateral and loan-to-value ratios.
• Coordinate activities required to complete a credit package with assigned Commercial Loan Officers.
• Interact with Loan Officers, Customers, or CPAs to obtain necessary financial information and complete the credit package.
• Prepare effective packages for credit approval circulation and present packages to the required level of credit authority.
• Obtain and monitor various loan portfolio reports such as Maturing Loans, Past-Due Loans, and Annual Reviews.
• Assist lenders with requisite action plans in a proactive manner.
• Ensure that current financial information is correctly analyzed and on file.
• Maintain accurate and complete credit files.
• Ensure credits are accurately risk-rated and properly monitored or reported.
• Adhere to all requirements of Regulation B Adverse Action Procedures - Florida Division.
• Manage and track covenants, borrowing bases, A-R Ageing, etc. for accounts.
• Assist in the preparation of weekly, monthly, or quarterly reports.
• Advise lenders on issues related to credit policy, procedures, or forms.
• Conduct annual site visits, attend loan closings, and other tasks required to support assigned lenders.
• Evaluate and review existing relationships and new credit requests to make recommendations to the Credit Team.
• Maintain knowledge of current trends, laws, and issues affecting the area of expertise.
• Attend educational events to increase professional knowledge.
• Comply with all regulations that apply within the scope of the position, including BSA, AML, OFAC, and CIP.
• Participate in community events to uphold the company philosophy and image.

Requirements

• Bachelor's degree in business or related field.
• Minimum of two years' experience in commercial lending and/or related capacity.
• Knowledge of credit underwriting, accounting, and loan documentation.
• Advanced level of interpersonal and social skills to interact with loan officers, administrative staff, and customers.
• Advanced mathematical, credit, and administrative skills.
• Proficient computer skills using Microsoft Word, Excel, and Outlook.
• Ability to write reports and business correspondence.
• Ability to effectively present information and respond to questions.
• Ability to prioritize tasks and manage competing priorities to meet deadlines.
• Accurate, detail-oriented, and organized with task management skills.
• Ability to resolve difficult and complex problems.
• Strong written, verbal, and interpersonal communication skills.
• Ability to influence others regarding policies, practices, and procedures.
• Strong knowledge of regulatory compliance.