Credit Portfolio Manager I - Commercial Lending

About the role

The Credit Portfolio Manager I (CPM) is responsible for gathering financial and general business information pertaining to customer and prospect loan requests. This role performs financial analyses needed to make credit decisions, contributes to the group loan decision process based on credit risk and other key factors, and supports the commercial banking team by recommending credit solutions that add value to customers.

Responsibilities

• Gathers financial and general business information pertaining to customer and prospect loan requests
• Performs financial analyses needed to make credit decisions
• Contributes and provides input to group loan decision process based on evaluation of credit risk and other key factors
• Supports commercial banking team and recommends credit solutions that add value to the Customer
• Manages specific credit activities to ensure performance quality, consistency of underwriting, and timeliness meets or exceeds Customer expectations
• May manage overall analytical support and workflow production needs for a department
• Works on larger, more complex deals, mainly focused on Middle Market
• Manages and/or leads as well as create, develop, and introduce commercial and credit-related initiatives
• Functions as a consultant to business lines regarding credit issues, processes, and procedures
• Communicates credit decisions to Relationship Managers and Account Managers
• Manages and oversees workflow and adherence to policy for department
• Participates in organizational cost benefit analysis and implementation
• Maintains confidentiality of credit and customer information at all times
• May lead a team of Credit Analysts within a region or market

Requirements

Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%

• Performing sedentary work – Continuous
• Performing multiple tasks – Continuous
• Operating standard office equipment – Continuous
• Responding quickly to sounds – Occasional
• Sitting – Continuous
• Standing – Occasional
• Walking – Occasional
• Moving safely in confined spaces – Occasional
• Lifting/Carrying (under 25 lbs.) – Occasional
• Lifting/Carrying (over 25 lbs.) – Never
• Squatting – Occasional
• Bending – Occasional
• Kneeling – Never
• Climbing – Never
• Reaching overhead – Never
• Reaching forward – Occasional
• Pushing – Never
• Pulling – Never
• Twisting – Never
• Concentrating for long periods of time – Continuous
• Applying common sense to deal with problems involving standardized situations – Continuous
• Reading, writing and comprehending instructions – Continuous
• Adding, subtracting, multiplying and dividing – Continuous

Qualifications

• Bachelor's degree or equivalent experience
• 5+ years related experience
• Strong understanding of commercial business development techniques and credit decisions
• Demonstrated business development track record
• Strong market presence with wide network of outside referral sources for new business
• Demonstrated credit and financial analysis skills
• Refined negotiation skills
• Demonstrated communication skills, both verbal and written
• Demonstrated PC skills

Skills

Not specified

Benefits

Not specified

Pay

$91,000 - $136,240 USD

Schedule

Not specified