Portfolio Manager (Full Time) - SB West Belt

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.

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.
• Perform other administrative duties required for the maintenance the loan portfolio.
• 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 contact for existing and prospective clients.
• Monitor loan repayment activities and financial condition of borrowing clients and take necessary action to collect past due accounts.
• Participates in community and business functions/groups to ensure a positive image for the bank within the region’s marketplace.

Qualifications

Bachelor’s degree (business concentration preferred) and 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.
• 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.

Schedule

Monday - Friday 8:00 AM - 5:00 PM (and as needed), 40 hours per week.