Portfolio Manager

Responsibilities

• Support the commercial lending process through underwriting, policy knowledge, credit structuring, and risk assessment in credit request packages for assigned portfolio.
• Ensure packages are complete, accurate and properly documented.
• Working directly with commercial lenders, treasury management and other team members to effectively grow fees, deposits, and portfolio revenue by presenting financial solutions to customers.
• Responsible for full cycle of loan request process; From conducting preliminary evaluation, to entering and maintaining client information in commercial database, to providing full financial and market analysis and preparing a recommended term sheet.
• Contribute to the Market’s success in meeting/exceeding volume and production goals; Accompanies lenders during sales calls to assist with account details, relationship building, and product recommendations.
• Primary liaison with internal and external stakeholders to include various Bank departments, customers, attorneys, and commercial lenders/leadership.
• Identify and recommend changes or enhancements to the Bank’s lending policies and procedures, to better serve community and current market needs.
• Collaborate with lenders to identify areas of concerns pertaining to a loan and in the management of maturing loans.
• Responsible for overseeing renewals, document tickler and covenant tracking of loans.
• Monitor loan documentation and financial statement exception reports and follow-up to clear up document exceptions in a timely manner.
• Troubleshoot, report and manage activity on delinquent accounts at the various intervals.
• Generate and provide requested reports as necessary on Team’s loan portfolio.
• Participate in team sales call and attend external events and market activities in a business development role.

Qualifications

• Bachelor’s degree in business, finance or related field or equivalent experience required.
• Minimum of three (3) years of experience working in Financial Services required; Exposure to Commercial Banking highly desired.
• Prior working experience with loan underwriting and credit training is required.
• Ability to successfully complete system training within 90 days of hire.
• Ability to analyze financial and project statement, corporate and personal tax returns.
• Understanding of basic loan structure processes and regulations associated with lending
• Knowledge of United’s services, products, policies and procedures is a plus.
• Excellent verbal and written communications skills in Spanish or additional language a plus.
• Proficiency with Microsoft Office Suite (Word, Excel, PowerPoint)
• Excellent interpersonal, customer relations and sales skills.
• Ability to demonstrate being a self-starter, well-organized, detail oriented.
• Ability to work well independently and in a fast-paced environment.
• Travel within the local market may be required.