Commercial Loan Portfolio Manager II

Job Responsibilities

• Maintains performing Commercial loan portfolio.
• Works with a team of Commercial Lenders regarding Commercial compliant portfolio maintenance activities including maturity monitoring, renewals, interest rate modifications and documentation collection.
• Reviews monthly maturity reports, requests updated financial information, orders third party searches, and prepares extension memos, as required.
• Performs Credit File Reviews on an annual basis for loans assigned within their Lending Officer's portfolio.
• Prepares Pre-Cams for all renewals and modifications to be submitted to underwriting.
• Provides support to Lenders who handle more complex relationships to ensure that all information needed to place a loan into underwriting is received.
• Interacts with customers to maintain and enhance business relationships.
• Spreads financials, performs debt service calculations and pre-screens new loan requests and modifications alongside Lending Officer.
• Analyzes financial and related data for credit worthiness and merits of loan requests as well as periodic reviews of customer financials.
• Reviews Credit Risk Review Reporting and Loan Documentation Exception reports, assists Lenders with clearing of exceptions.
• Acts as a liaison between the Credit, Lending, Risk and Loan Servicing Departments as well as customers during the collection, underwriting, approval, and servicing stages of the loan submission, as needed.
• Monitors, maintains, and updates their respective covenant tracking database.
• Ensures that covenants are met, follows up with borrowers for needed information, and notifies Lenders when information is not provided in a timely manner.
• Makes recommendations as to loan restructuring, implementing legal collection action, or referral of the loan to the Special Assets Department.
• Maintains a current knowledge of OCC Regulations, local and national economic, financial political and legislative trends.
• Determines the possible impact on commercial lending activities.
• Maintains the ability to train and develop new team members.

Qualifications

• Bachelor’s degree in Finance, Accounting, Management, or related field.
• 5-7 years of related Commercial Banking and/or Commercial Credit experience.
• 2-3 years of Portfolio Management experience.
• Effective written and verbal communication skills, both internally and externally.
• Considerable attention to detail.
• Formal credit training and strong credit risk assessment skills.
• Organizational skills.
• Ability to develop constructive and cooperative relationships.
• Skilled in Microsoft Office applications including Excel and Word.
• Working knowledge of covenant tracking systems.
• Aptitude to assist in training and developing new portfolio managers.

Benefits

• Columbia Bank offers the following benefits:
• Medical, Dental, Vision and Rx which are contributory.
• Bonus programs.
• Employee Stock Option Program (ESOP).
• Life Insurance, Long Term Disability and Accidental Death and Dismemberment (LTD&AD&D).
• Paid Time Off (PTO) which includes Personal and Vacation Time.
• Paid Sick Time.
• Bank Holidays.
• Employees may participate in the 401k program.

Schedule

This role is eligible for a hybrid schedule: 3 days in the office and 2 days work from home, based on business needs. This arrangement may change without notice.