Portfolio Manager I - SBL

Position Summary

The PM I – SBL supports Bank’s goal of enhancing and increasing the efficiency of the sales force by way of processing & underwriting loan applications and providing portfolio management services to Retail (Market Sales Managers and Branches).

Key Responsibilities

• Process both new and renewal loan applications, review and analyze financial statements, prepare simple cash flow analysis and other supporting documentation of borrowers and guarantors to effectively recommend structure, price and decisions on small business loans.
• Utilize SBL's decisioning software and other Bank systems to properly process, decision, and document credit requests according to Bank policy and goals.
• Seek to maintain appropriate levels of Credit Quality in origination, renewal and portfolio monitoring of small business loans, consistent with overall objectives of the Department.
• Identify problem loans, etc.
• Communicate loan decisions and recommendations to Retail (Market Sales Managers and Branch Managers) and other department personnel.
• Direct loans through due diligence and documentation processes.
• Aid in training (AppLink) and mentoring Retail (Market Sales Managers and Branches) with SBL’s process & procedures.

Minimum Qualifications

• 3+ years of experience in processing small business/commercial loans, underwriting, servicing or portfolio management.
• Sufficient skillset to translate analytical skills into recommendations in support of loan decisions.
• Willingness and ability to work closely with Retail and other Depts (internal to Bank) along with others external to Bank.
• Excellent organizational, time management and prioritization skills, sufficient to accomplish every aspect and task in the life cycle of a loan.
• Excellent, effective verbal and written communication skills.
• Willingness and ability to provide guidance/training to others at the same or lower level.
• Intermediate proficiency using Microsoft Office (Outlook, Excel, Word).
• Familiar with technology to learn credit decisioning software and Bank systems.

Preferred Qualifications

• Bachelor's degree in accounting, marketing, business administration, finance, etc.
• Some level of credit training.

Working Conditions

• Work is mainly performed in a normal office environment.
• Noise levels usually are moderate.
• May also involve travel to customers and property locations.
• Prolonged sitting.
• Lifting from 5 to 10 lbs. (printer paper, storage boxes).
• Occasional bending or overhead lifting (storing files or boxes).
• The hazards are mainly those present in a normal office setting.