Portfolio Manager

Essential Duties And Responsibilities

• Ensure portfolio administration and risk management comply with established credit policy and regulatory guidelines.
• Maintain financial monitoring, covenant tracking, exception management, and timely renewals.
• Determine compliance with loan agreements and borrowing base requirements.
• Conduct periodic borrower reviews and maintain accurate digital loan files.
• Serve as liaison between lenders and internal departments including Credit, Appraisal, and Central Loan Documentation (CLD).
• Collect and analyze financial information and address documentation deficiencies.
• Monitor repayment activity and manage past due accounts.
• Participate in loan approval processes and recommend appropriate credit structure.
• Prepare cash flow analyses, financial spreads, and credit packages.
• Review appraisals and loan documents prior to closing.
• Perform collateral inspections as required.
• Identify cross-sell opportunities across bank products.
• Participate in community and business development activities.
• Comply with BSA, CIP, and all regulatory requirements.
• Deliver superior customer service and uphold organizational values.

Other Duties And Responsibilities

• Exhibits superior customer service as an Austin Bank team member.
• Demonstrates high quality relationship building techniques to ensure the customer receives the best possible solution to his banking and financial needs.
• Helps promote a loyal relationship between the customer and Austin bank.
• Participates in developing a teamwork atmosphere with co-workers as part of department/branch location/region by attending meetings, participating in discussions, treating co-workers with respect and courtesy, and contributing to departmental goals.
• Has a responsibility to stay abreast of company communications by reading publications, announcements and company e-mails, etc.
• Takes advantage of appropriate communication channels regarding bank related business matters.
• Develop personal skills and capabilities through on-going training, as provided by the company or elsewhere subject to Company approval.
• Uphold and safeguard the organizations values particularly relating to ethics, integrity, and confidentiality both internally and externally.
• Greet customers and provide superior customer service.