Portfolio Manager

About the role

The Portfolio Manager takes primary responsibility for the underwriting process, portfolio administration, and credit quality of an assigned portfolio, partnering with lenders and other stakeholders both within the Bank and externally.

Responsibilities

• Support the commercial lending process through underwriting, policy knowledge, credit structuring, and risk assessment in credit request packages for the assigned portfolio.
• Ensure packages are complete, accurate, and properly documented.
• Work directly with commercial lenders, treasury management, and other team members to grow fees, deposits, and portfolio revenue by presenting financial solutions to customers.
• Manage the full cycle of the loan request process: conduct preliminary evaluations, enter and maintain client information in the commercial database, provide full financial and market analysis, and prepare recommended term sheets.
• Contribute to the market’s success in meeting or exceeding volume and production goals; accompany lenders during sales calls to assist with account details, relationship building, and product recommendations.
• Serve as the primary liaison with internal and external stakeholders, including 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 the community and current market needs.
• Collaborate with lenders to identify areas of concern pertaining to loans and manage maturing loans.
• Oversee renewals, document tickler, and covenant tracking of loans.
• Monitor loan documentation and financial statement exception reports; follow up to clear document exceptions in a timely manner.
• Troubleshoot, report, and manage activity on delinquent accounts at various intervals.
• Generate and provide requested reports on the Team’s loan portfolio as necessary.
• Participate in team sales calls and attend external events and market activities in a business development role.

Requirements

• Bachelor’s degree in business, finance, or a related field, or equivalent experience.
• Minimum of three (3) years of experience working in Financial Services; exposure to Commercial Banking highly desired.
• Prior working experience with loan underwriting and credit training.
• Ability to successfully complete system training within 90 days of hire.
• Ability to analyze financial and project statements, corporate and personal tax returns.
• Understanding of basic loan structure processes and regulations associated with lending.
• Strong understanding of loan documentation criteria.
• Knowledge of United’s services, products, policies, and procedures is 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, and detail-oriented.
• Ability to work well independently and in a fast-paced environment.
• Travel within the local market may be required.

Skills

• Excellent verbal and written communication skills; Spanish or additional language proficiency is a plus.
• Relationship Management.
• Appetite for Continuous Learning.
• Self-Motivated Professionalism.

Essential Functions

• Sitting for extended periods of time.
• Ability to efficiently operate a computer keyboard, mouse, and other computer components.
• Ability to converse and exchange information with all levels of staff within the organization.
• Ability to observe, perceive, identify, and translate data.

Benefits

This position is eligible for a list of benefits. Click here for more information.