Commercial Banking Portfolio Manager III

Duties And Responsibilities

• Liaison between Commercial Banker and Credit Administration facilitating modifications, reviews / renewals, extensions, and covenant testing within designated relationships.
• Perform annual risk rating reviews for client relationships within the assigned borrowing threshold.
• Annual credit facility reviews for audit accountability.
• Conduct Treasury Management Exposure Reviews
• Routine clearing of financial statements and document exceptions.
• Conduct concentrations limits and portfolio performance for retail, hotels, senior living facilities, etc
• Complete monitoring of renewals including all required items with the exception of loan documentation
• Conduct covenant testing including waiver letters and confirmation of compliance sheets.
• Prepare spread analysis of current customer base.
• Review and conduct monitoring of excess cash flow recapture payment billing and collection.
• Prepares period presentations for Criticized and Watch designated Credits.
• Manages loan maturities within assigned loan portfolio.
• Processes risk rating changes identified by the Commercial Banking Department.
• Underwrites Commercial Loan Modification requests within assigned loan portfolio including line renewals that meet certain criteria.
• May attend client calls with Commercial Bankers in order to gain a thorough understanding of the client’s business and effectively assist in ongoing maintenance of the relationship.
• As a trusted partner, the Portfolio Manager will provide constructive and regular feedback to Bankers to ensure sound relationship quality.
• Conduct site visits and document vacancy / occupancy, as well as, general property conditions via notes and photographs.
• Conduct covenant tests within the assigned borrowing threshold
• Maintain a good working relationship with Bank employees in other departments.
• Assumes additional duties and responsibilities as assigned.

Qualifications

Requires a four-year college degree or equivalent. Accounting, Finance, or Business.

Requires ten plus years of credit analysis experience and five to ten plus years of specialized experience required in Commercial Lending.

Physical Demands

Operates a keypad device: 50% of the day. Operates electronic equipment/office equipment: 20% of the day. Travel is required up to 30% of the time.

Pay

$65,000.00 - $161,700.00