Portfolio Manager II or III

Essential Functions

• Maintain credit performance of individual commercial borrowers, escalating or remedying issues as needed.
• Ensure timely and accurate reporting of commercial portfolio monitoring activities and compliance with credit policies.
• Evaluate risk associated with non-compliance and engage with customers to discuss operating performance and business results.
• Analyze financial information and related materials to assess credit risks and identify mitigants.
• Document historic and proforma cash flows, covenant calculations, sensitivity analysis, guarantor statements, and collateral valuations.
• Present analysis or address questions during credit discussions or presentations.
• Liaison between Commercial Banking Relationship Managers, Credit Risk, the Underwriting Team, and Special Assets to ensure necessary credit approvals are obtained and appropriately documented.
• Monitor early warning indicators and other forms of credit surveillance.
• Document and track key risk indicators and ensure compliance with policies and procedures.

Qualifications

• Bachelor's Degree in Accounting, Finance, Economics, or related discipline preferred.
• Relevant experience in Commercial Lending as a Portfolio Manager, Relationship Manager, and/or Credit Officer/Underwriter working with moderate to complex loans and documentation preferred.
• Experience in Commercial Credit or public accounting preferred.
• Ability to perform financial analysis, assess risk, review documentation, coordinate loan closings, and administer construction loans.
• Extensive strong analytical, organizational, and critical thinking skills.
• Extensive team-oriented with ability to monitor and manage multiple responsibilities simultaneously.
• Extensive credit risk analysis including assessment of financial statements, collateral valuation, industry review, and risk rating assignments.

Pay

The pay range for this position is generally $61,500 - $110,000 annually. Actual pay is based on various factors including but not limited to the successful candidate’s experience, skills, and knowledge. Additional bonus earning opportunities and benefits are also available.