Portfolio Manager (Full Time) - SB Stafford

We need to produce HTML fragment with sections: About the role? The posting includes POSITION PURPOSE, Essential Functions And Basic Duties, Qualifications, Physical Activities And Requirements, WORKING CONDITIONS, Mental Activities And Requirements, Hours. We need to map to allowed headings: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. We must only include sections when posting has real specific content. We need to decide which headings correspond. We have: - POSITION PURPOSE: could be "About the role". Use

About the role

with paragraph. - Essential Functions And Basic Duties: responsibilities. Use

Responsibilities

with

• items. - Qualifications: includes Education/Certification, Required Knowledge, Experience Required, Skills/Abilities. Could be split into Requirements and Skills sections. But we have headings: Requirements, Qualifications, Skills. We need to decide. We have "Qualifications Education/Certification: Bachelor’s degree (business concentration preferred) Required Knowledge: Proficient with Microsoft Word, Excel, Power Point as well as some form of financial spreading software Experience Required: Has 2-3 years of banking experience, primarily related to credit analysis/underwriting Skills/Abilities: ..." Thus we could have:

  Qualifications

  with paragraph covering education, knowledge, experience.

  Skills

  with list of skills/abilities. Or we could combine into Requirements and Skills. But we must not create thin sections. Probably better: Qualifications (education, knowledge, experience) and Skills (abilities). Also we have Physical Activities And Requirements, WORKING CONDITIONS, Mental Activities And Requirements, Hours. Those could map to Schedule (hours) and maybe Benefits? No benefits given. Pay not given. So we should not create Pay or Benefits sections. Schedule: we have Hours: Monday - Friday 9:00 AM - 5:00 PM 40 hours per week. So we can have

  Schedule

  with paragraph. Physical Activities And Requirements and Mental Activities And Requirements and WORKING CONDITIONS could be considered part of Requirements? But we already have Qualifications and Skills sections. Could add a section "Requirements" for physical/mental/working conditions. However the instruction: Prefer a few substantive sections over many thin ones. Might combine physical/mental/working conditions into a single "Requirements" section? But we already have Qualifications. Could rename Qualifications to Requirements? But we have both headings allowed. Let's think: The posting includes "Qualifications" heading (Education/Certification, Required Knowledge, Experience Required). Then "Skills/Abilities". Then "Physical Activities And Requirements Of This Position", "WORKING CONDITIONS", "Mental Activities And Requirements Of This Position", "Hours". So we could map: - About the role (POSITION PURPOSE) - Responsibilities (Essential Functions And Basic Duties) - Qualifications (Education/Certification, Required Knowledge, Experience Required) - Skills (Skills/Abilities) - Requirements (Physical Activities, Mental Activities, Working Conditions) maybe as a combined section. - Schedule (Hours) We must not create sections with filler like "not specified". All have content. We need to output only HTML fragment, no /. Use

  for headings. Use

  • for any list of duties/requirements/benefits. Use

    for prose. We need to preserve all substantive information, not invent or summarize away detail. So we need to include all details from the posting, but we can format as lists or paragraphs. We must remove boilerplate: External Applicants..., Internal Applicants..., Equal Opportunity Employer, etc. Also remove lines like "The above statements describe the general nature and level of work only..." etc. Also remove "Other duties may be added..." etc. Also remove "Physical Activities And Requirements Of This Position" heading? We need to keep content but not the heading as such; we will reformat. We need to ensure we don't duplicate lines. Let's extract content: POSITION PURPOSE: "Responsible for credit underwriting, monitoring, and portfolio management of Commercial Banking relationships to ensure strong credit quality and achieve efficient internal processes to retain and expand client relationships. Primary performance responsibilities include analyzing financial data to determine the merits of loan requests, monitoring the performance of existing client relationships, and assist in the management and organization of the loan portfolio." Essential Functions And Basic Duties (list): - Assist with due diligence/analysis of new client relationships and opportunity memos as appropriate. - Manage the renewal process by working with the Relationship Manager, the client, & the credit department. - Assist in the preparation of loan packages, make presentations, and participate in the bank’s loan approval process. - Manage the process for approving and closing modifications/amendments/waivers to existing credit agreements. - Assist Relationship Manager in coordinating the loan closing process for new and existing loan relationships (i.e. working with both outside counsel and internal document preparation groups, reviewing loan documents, closing loans with clients). - Assist and joins Relationship Manager in business development calling efforts. - Perform other administrative duties required for the maintenance the loan portfolio (i.e. exception tracking, financial reporting and covenant compliance). - Manage and oversee small loan/deposit portfolios. - Ensure the portfolio administration and risk management of each client relationship follows the established credit policy, procedure, and business strategy as well as regulatory guidelines. - Perform annual loan reviews as needed. - Partner with the Relationship Manager as a point of a contact for existing and prospective clients; acting as a liaison to the Credit Department, the Commercial support staff and other internal business partners. - Monitor loan repayment activities and financial condition of borrowing clients and take necessary action to collect past due accounts. - Agreeable to work overtime as needed based on work assigned in order to meet deadlines provided. - Participates in community and business functions/groups to ensure a positive image for the bank within the region’s marketplace. - Perform other duties and special projects as needed. Qualifications: Education/Certification: Bachelor’s degree (business concentration preferred) Required Knowledge: Proficient with Microsoft Word, Excel, Power Point as well as some form of financial spreading software Experience Required: Has 2-3 years of banking experience, primarily related to credit analysis/underwriting Skills/Abilities: - Demonstrates strong written and analytical skills - Has strong understanding of credit policy and procedures and is able to accurately evaluate both cash-flow and collateral-based credits - Ability to make appropriate judgments and decisions with limited guidance - Ability to deal with complex problems involving multiple facets and variables in non-standardized situations. - Excellent planning and organizational skills, including the ability to work independently on projects of high complexity with minimal supervision - Strong public speaking and presentation skills - Excellent written and verbal communications skills - Ability to maintain confidentiality and instill trust within the organization - Proficient in Microsoft Word, Excel, and PowerPoint - ability to multitask is essential Physical Activities And Requirements Of This Position: - Talking: Especially where one must frequently convey detailed or important instructions or ideas accurately, loudly, or quickly. - Average Hearing: Able to hear average or normal conversations and receive ordinary information. - Repetitive Motion: Movements frequently and regularly required using the wrists, hands, and/or fingers. - Average Visual Abilities: Average, ordinary, visual acuity necessary to prepare or inspect documents or products, or operate machinery. - Physical Strength: Sedentary work; sitting most of the time. Exerts up to 10 lbs. of force occasionally. (Almost all office jobs.) WORKING CONDITIONS: - None: No hazardous or significantly unpleasant conditions (such as in a typical office). Mental Activities And Requirements Of This Position: - Reasoning Ability: Ability to apply logical or scientific thinking to define problems, collect data establish facts and draw conclusions. Able to interpret a variety of technical instructions and can deal with multiple variables. - Mathematics Ability: Ability to compute discount, interest, profit, and loss; commission markup and selling price; and ratio, proportion, and percentage. Able to perform very simple algebra. - Language Ability: Ability to read periodicals, journals, manuals, dictionaries, thesauruses, and encyclopedias. Hours: - Monday - Friday 9:00 AM - 5:00 PM 40 hours per week. We need to avoid duplication: Some skills repeat Proficient in Microsoft Word etc already in Required Knowledge. But we must preserve all substantive information; we can keep both but maybe deduplicate? The instruction: Preserve ALL substantive information; do NOT invent or summarize away detail. It doesn't say we must deduplicate; but we should not remove substantive info. If we remove duplicate, we might be summarizing away detail? It's arguably still substantive but duplicate. Safer to keep both as they appear. Now we need to map to headings. We'll produce:

    About the role

    Responsible for credit underwriting, monitoring, and portfolio management of Commercial Banking relationships to ensure strong credit quality and achieve efficient internal processes to retain and expand client relationships. Primary performance responsibilities include analyzing financial data to determine the merits of loan requests, monitoring the performance of existing client relationships, and assist in the management and organization of the loan portfolio.

    Responsibilities

    • Assist with due diligence/analysis of new client relationships and opportunity memos as appropriate.
    • Manage the renewal process by working with the Relationship Manager, the client, & the credit department.
    • Assist in the preparation of loan packages, make presentations, and participate in the bank’s loan approval process.
    • Manage the process for approving and closing modifications/amendments/waivers to existing credit agreements.
    • Assist Relationship Manager in coordinating the loan closing process for new and existing loan relationships (i.e. working with both outside counsel and internal document preparation groups, reviewing loan documents, closing loans with clients).
    • Assist and joins Relationship Manager in business development calling efforts.
    • Perform other administrative duties required for the maintenance the loan portfolio (i.e. exception tracking, financial reporting and covenant compliance).
    • Manage and oversee small loan/deposit portfolios.
    • Ensure the portfolio administration and risk management of each client relationship follows the established credit policy, procedure, and business strategy as well as regulatory guidelines.
    • Perform annual loan reviews as needed.
    • Partner with the Relationship Manager as a point of a contact for existing and prospective clients; acting as a liaison to the Credit Department, the Commercial support staff and other internal business partners.
    • Monitor loan repayment activities and financial condition of borrowing clients and take necessary action to collect past due accounts.
    • Agreeable to work overtime as needed based on work assigned in order to meet deadlines provided.
    • Participates in community and business functions/groups to ensure a positive image for the bank within the region’s marketplace.
    • Perform other duties and special projects as needed.

    Qualifications

    Education/Certification: Bachelor’s degree (business concentration preferred)

    Required Knowledge: Proficient with Microsoft Word, Excel, Power Point as well as some form of financial spreading software

    Experience Required: Has 2-3 years of banking experience, primarily related to credit analysis/underwriting

    Skills

    • Demonstrates strong written and analytical skills
    • Has strong understanding of credit policy and procedures and is able to accurately evaluate both cash-flow and collateral-based credits
    • Ability to make appropriate judgments and decisions with limited guidance
    • Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.
    • Excellent planning and organizational skills, including the ability to work independently on projects of high complexity with minimal supervision
    • Strong public speaking and presentation skills
    • Excellent written and verbal communications skills
    • Ability to maintain confidentiality