Corporate Banking Portfolio Manager II - Jackson

Duties And Responsibilities

• Underwrite larger, more complex loan requests which include new loans, amendments, extensions, modifications, and renewals.
• Perform and review financial analyses and produce a cash flow worksheet.
• Analyze financial statements, industry and market data and prepare credit approval package.
• Evaluate general contractor and property management company, if applicable.
• Review borrowing base certificates to assess compliance.
• Pull credit reports.
• Work with lender to produce term sheets and commitment letters.
• Review draw requests and coordinate property inspections and certifications by an independent inspector.
• Track and resolve document exceptions related to closing and ongoing exceptions.
• Test performance against original underwriting and covenant requirements upon receipt of required reporting information.
• Work with lender to enter information into nCino and submit loan packages for approval.
• Request financial spreads, global cash flow analysis, appraisals, evaluations, and environmental information.
• Work with Commercial and Corporate Banking Lenders in obtaining and reviewing construction loan documentation in relation to Borrower draw requests.
• Gather BBCs, Leases, GCs, etc.
• Review all loan documents prior to and post-closing to ensure accuracy and completion in accordance with loan approval.
• Perform annual, quarterly, or more frequent reviews to assess project performance via covenant testing, if applicable, and risks associated with the project, borrower, and guarantors.
• Remain informed of current economic and legislative conditions.
• Serve in civic, community, and industry-related activities, as needed.
• Remain current on FDIC, OCC, and State Banking Regulations.
• Maintains a thorough knowledge of Bank products, services, policies, procedures, and appropriate regulatory issues as related to daily job functions, including but not limited to: Bank Secrecy Act; Privacy Act; Fair Lending Act; Regulation E, etc.
• Completes required compliance training and adheres to the Bank's standard of conduct.

Position Requirements

• Bachelor's degree in Business Administration, Finance, Accounting, or a closely related field, or a Master's degree in Business Administration, Finance, Accounting or a closely related field.
• Minimum 5 years banking experience with at least 2 years' credit analysis experience and working with Commercial Underwriters and Lenders.
• Extensive knowledge of commercial and retail lending services, documentation, underwriting, regulatory guidelines, financial ratios, credit analysis, and lending duties is required.
• Able to interpret and analyze personal and business tax returns/financial statements.
• Ability to calculate complicated financial ratios and apply accordingly.
• Excellent communication skills both orally and in writing, read, analyze, and interpret general business periodicals, professional journals, technical procedures or governmental regulations.
• Write reports and business correspondence.
• General computer and typing experience with Microsoft Office Suite, to include Excel, Word, and Outlook.
• Possess attention to detail.
• Work outside of regular business hours, as deemed necessary.