Commercial Portfolio Manager II

We need to output HTML fragment with sections for headings: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. Only include sections that have real specific content. The posting includes summary/objectives, essential functions (responsibilities), competencies (skills), qualifications, education, certification requirements, physical demands, work environment, etc. No explicit pay, schedule, benefits. So we should not include Pay, Schedule, Benefits sections. Also maybe "About the role" could be the summary/objectives paragraph. Use

for each section heading. Use

• for lists. Use

  for prose. We need to preserve all substantive information, not invent. Remove boilerplate like EEO, equal opportunity, etc. Also remove duplicated lines like "Reasonable accommodations may be made..." appears twice; we should keep only once? The instruction: remove duplicated lines. So we should include that statement only once. We need to include sections: About the role (summary/objectives), Responsibilities (essential functions), Requirements (maybe qualifications, education, certification), Skills (competencies). Possibly also "Work Environment" but not in list of allowed headings; we could incorporate into Requirements or maybe as part of Responsibilities? The instruction says prefer a few substantive sections over many thin ones. Allowed headings are those listed; we should not add others like Work Environment. So we can incorporate work environment details into Responsibilities or Requirements? Probably better to put under Requirements (since it's about job conditions). But the instruction: "Use

  for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule)." It says e.g., meaning those are examples; we could also use other headings? It says use those for section headings. Likely we should stick to those. So we can have About the role, Responsibilities, Requirements, Qualifications, Skills. Possibly combine Qualifications and Requirements? But they are separate examples; we could have both. However we need to avoid thin sections. The posting has qualifications, education, certification requirements; we could put those under Qualifications. Requirements could be experience? Might be overlapping. Let's decide: About the role (summary/objectives). Responsibilities (essential functions). Requirements (maybe experience, physical demands, work environment). Qualifications (education, certification). Skills (competencies). That seems reasonable. We need to ensure we don't include headings with empty content. So we will include those five sections. Now extract content. About the role: The summary/objectives paragraph: "The Commercial Portfolio Manager II supports the commercial loan and deposit portfolio of one or more Relationship Managers (Commercial, CRE or Middle Market) providing quality underwriting, sound portfolio management and superior client service." We could also include the opening story? That's about company, not role. Probably not needed for role. But we could include a brief about the role from the summary. We'll keep that. Responsibilities: list of essential functions. Many bullet-like sentences. We'll convert each sentence into

  . Need to preserve all substantive information. We'll list each duty. Let's extract essential functions sentences: - Analyzes financial information to evaluate the credit worthiness of new loan requests, renewal loan requests and on-going Portfolio Management activities through thorough and accurate analyses within the parameters of the Bank’s policies and procedures - Completes industry research, as needed, supporting existing and new Customers to the Bank - Compiles commercial loan packages (non BL and BLE) ensuring completeness and accuracy of information provided. The commercial loan package includes, but is not limited to, a written credit memo with sufficient background information on the Customer, financial analysis of the Borrower, Guarantors and the proposed transaction, critical analysis of the potential risk to the Bank, proper risk grading and discussion and a thoughtful recommendation. - Completes, when needed, additional credit analysis through more in-depth tools outside of the traditional spreads and global cash flow (example CRE analysis tool) - Guides the loan request through the Credit Approval Process and insures that structure meets the needs of the client and the operating objectives of the Bank - Assures that large commercial loan relationships are in compliance with State and Federal regulations and Bank policies and procedures - Monitors and services the large commercial loan portfolios of the supported Commercial Bankers through quality portfolio management work related to centralized covenant testing and tracking, the annual servicing review process and exception clearing - Properly grades risk of each loan in the assigned portfolio, per policy. - Recommends adjustments to risk grades as circumstances change or new information becomes available. - Assists Relationship Manager in credit presentation to Credit Administration or other leaders and Committees at the Bank - Ensures that all required documentation is in file for all loans and treasury management approvals. - Works with the Relationship Manager and the LOA to help clear documentation or compliance deficiencies noted by Loan Operations or other review - Periodically accompanies Relationship Manager on calls with existing and/or prospective Customers as requested - Builds and maintains a positive working relationships with internal business partners (Loan Operations, Credit Administrators, Loan Operations Area, Credit Leadership, Local Line Leadership and Branch Personnel etc.) - Undertakes special projects related to job function as determined by Credit Administration Leadership - Continuously updates skills by participating in professional training and seeks opportunities to improve skills through cross-training offered by the Bank - Works with Relationship Manager, Credit Administrators and Loan Assistant to minimize past due loans. - As a teammate to the Relationship Manager and Credit Administration, serves as a trusted advisor to clients and prospects within the context of risk management - Demonstrates a commitment to fair lending practices. - Remains knowledgeable of all laws and regulations governing the lending activities of financial institutions. - Ensures compliance with all applicable Bank policies and procedures, as well as all State and Federal regulations. - Builds and maintains a positive working relationship with attorneys, appraisers, developers and others to enhance the Bank’s image and reputation in the marketplace. - Stays abreast of products and services the Bank is providing. - Adheres specifically to all corporate policies and procedures, Federal and State regulations and laws. - Has responsibility for following regulatory requirements including those pertaining to the Bank Secrecy Act (BSA), Anti- Money Laundering (AML), Customer Identification Program (CIP) and OFAC to assist in the identification, detection and determent of money laundering or other unlawful activities. - Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. (include once) We should avoid duplication; there is also a later duplicate of reasonable accommodations; we include once. Now Requirements section: includes physical demands, work environment, travel, location maybe. Also maybe "Experience: Minimum of 4-6 years..." but that's qualifications. We'll treat experience as part of Qualifications? Actually Qualifications includes education, experience, certifications. But we have separate Qualifications heading. Let's allocate: Requirements: maybe physical demands, work environment, travel, location. Could also include "Must be able to effectively access and interpret information on computer screens..." etc. Let's extract physical demands: - Must be able to effectively access and interpret information on computer screens, documents, reports, and cash denominations, and identify customers. - This position requires a large amount of time in front of a computer. This can be done sitting or standing with use of the right desk. - This position may require bending and reaching. Work environment: - Telecommuting roles no matter if hybrid or 100% full time telecommuting must have a secure home office environment that is free from background noise and distractions. - They must also have a reliable private internet connection that is not supplied by use of cellular data (hot spot). Cable or fiber connections are preferred. - Requirements are subject to change, as new systems and technology is delivered. - Travel may be required to come to meetings as needed. - Work Location: 3475 Piedmont Rd NE Suite 150 & 1900 Atlanta, Georgia 30305 We'll include these as list items. Qualifications: Education, Experience, Certifications/Specific Knowledge, Training Requirements. Extract: Education: Four-year degree in Business Administration, Finance, Accounting or related field; Graduation from a recognized school of banking is an asset or equivalent experience Experience: Minimum of 4-6 years of experience in credit analysis, commercial banking, business banking with at least 2 years of specific portfolio management and/or underwriting experience. Familiarity with loan structuring and loan documentation is required. Certifications/Specific Knowledge: Knowledge in accounting and lending principles, as well as excellent oral and written communication skills. Must have an in-depth knowledge of Federal and State lending regulations and Bank policies related to lending procedures. Training Requirements/Classes: Required annual compliance training; New Employee Orientation We'll list as bullet points. Skills (Competencies): list: - Excellent interpersonal skills - Proficient in Microsoft Excel and Word - Strong organization skills - High attention to detail - Cooperative and willing to assist coworkers and customers on a regular basis - Effective listening skills demonstrated by the ability to listen to others talk (without interruption), understand them, and then propose solutions or make contributions based on the points made by others - Possesses multi-tasking skills and be able to function well under pressure - Ability to remain composed under pressure and respond to customer and coworker concerns regularly - Patience and willingness to help others in solving problems while maintaining a positive attitude Now About the role: we may also include the opening story? Probably not needed. We'll keep summary. Now produce HTML:

  About the role

  The Commercial Portfolio Manager II supports the commercial loan and deposit portfolio of one or more Relationship Managers (Commercial, CRE or Middle Market) providing quality underwriting, sound portfolio management and superior client service.

  Responsibilities

  • Analyzes financial information to evaluate the credit worthiness of new loan requests, renewal loan requests and on-going Portfolio Management activities through thorough and accurate analyses within the parameters of the Bank’s policies and procedures
  • Completes industry research, as needed, supporting existing and new Customers to the Bank
  • Compiles commercial loan packages (non BL and BLE) ensuring completeness and accuracy of information provided. The commercial loan package includes, but is not limited to, a written credit memo with sufficient background information on the Customer, financial analysis of the Borrower, Guarantors and the proposed transaction, critical analysis of the potential risk to the Bank, proper risk grading and discussion and a thoughtful recommendation.
  • Completes, when needed, additional credit analysis through more in-depth tools outside of the traditional spreads and global cash flow (example CRE analysis tool)
  • Guides the loan request through the Credit Approval Process and insures that structure meets the needs of the client and the operating objectives of the Bank
  • Assures that large commercial loan relationships are in compliance with State and Federal regulations and Bank policies and procedures
  • Monitors and services the large commercial loan portfolios of the supported Commercial Bankers through quality portfolio management work related to centralized covenant testing and tracking, the annual servicing review process and exception clearing
  • Properly grades risk of each loan in the assigned portfolio, per policy.
  • Recommends adjustments to risk grades as circumstances change or new information becomes available.
  • Assists Relationship Manager in credit presentation to Credit Administration or other leaders and Committees at the Bank
  • Ensures that all required documentation is in file for all loans and treasury management approvals.
  • Works with the Relationship Manager and the LOA to help clear documentation or compliance deficiencies noted by Loan Operations or other review
  • Periodically accompanies Relationship Manager on calls with existing and/or prospective Customers as requested
  • Builds and maintains a positive working relationships with internal business partners (Loan Operations, Credit Administrators, Loan Operations Area, Credit Leadership, Local Line Leadership and Branch Personnel etc.)
  • Undertakes special projects related to job function as determined by Credit Administration Leadership
  • Continuously updates skills by participating in professional training and seeks opportunities to improve skills through cross-training offered by the Bank