Loan Portfolio Officer

Position Summary

The Loan Portfolio Officer is responsible for underwriting, credit monitoring, and managing the Bank’s various loan portfolios to achieve efficiency and quality of the process and related lending products and services. This position will be responsible for working with Credit Administration and the SVP/Loan Officer IV on loan analysis, loan structure and terms, collateral management, credit administration, title work, leading loan requests through the credit approval process, and assisting with the overall portfolio management.

Essential Functions

• Act as the technical expert on the Bank’s loan portfolios.
• Underwrite and compile credit memos.
• Be responsible for collateral management.
• Order title work and appraisal requests and reviews.
• Work with Loan Officers to assist with client relationships.
• Effectively communicate with Loan Officers and customers.
• Conduct all aspects involved with managing portfolios, including digital engagement, maintaining the portfolio’s, document review and account activities.
• Support revenue growth by assisting with management plans, credit, and deposit goals.
• Possess knowledge of fiduciary and financial products and services.
• Provide financial analysis to maximize profitability.
• Possess a thorough understanding of the terms and conditions under which the loans should be presented and closed.
• Provide loan structure guidance and apply analysis assistance to mitigate risks in relationships consistent with loan policies.

Core Values

• Humility - We are “blue-collar bankers”. We are relatable, down-to-earth people who greet our smallest customer the same way we greet our largest.
• Respectful, Genuine Care for Others - We care about each other, we care about our customers, and we care about our communities.
• Finds A Way - This simply put, is nothing more than attitude. It’s a can-do spirit, a desire to help, to contribute, to go above and beyond, and to make a difference.
• Effort - We expect a lot of ourselves and hold ourselves to a high standard. We are not entitled, and we need to earn it from our customers and each other every day.
• Owning-It - Owning-It or Accountability is a big word that can encompass a great many things. For Citizens Alliance Bank, it’s about ownership. When an employee says they will do something, they follow through and get it done.