Portfolio Manager II or Senior Portfolio Manager

About the role

The hiring range for this opportunity is $84,000 to $152,375 annual salary along with incentive opportunities, creating a competitive total compensation package based on our pay scale, and may be modified by location and is commensurate with qualifications and experience.

Responsibilities

• Primary contact for assigned Commercial or Business relationships across the banks’ footprint, to proactively retain and expand through regular contact.
• Provide preliminary analysis and information for annual reviews, renewals, and new relationships brought into the Bank.
• May provide underwriting for annual reviews, renewals, and new relationships brought into the Bank.
• Maintains a loan portfolio, minimizing risk and maintaining delinquencies and weak loans according to Bank policy.
• Recommends and models appropriate loan structure for expanding relationships.
• Serves as primary contact for assigned Commercial or Business complex relationships across the Banks’ footprint, to proactively retain and expand through regular contact.
• Facilitate underwriting for annual reviews, renewals and expansion relationships within portfolio.
• Maintain a complex loan portfolio, minimizing risk and maintaining delinquencies and weak loans according to Bank policy.
• Recommend and model appropriate loan structure for expanding relationships.
• Ensure all documentation necessary for completion of loan package is acquired.
• Coordinate with appropriate business partner or Regional Manager to identify customers for expansion and retention opportunities, focusing on value-added expertise.
• Conduct quarterly, semi-annual, or annual business reviews, working closely with business partners and Community Banking partners for historical financial reports, industry outlook resources and benchmarking data for current and future financial solutions.
• Participate in research, preparation and understanding customer relationship and changes in the industry.
• Understand the Bank’s products and services and support Tri Counties’ Service with Solutions culture.
• Identify referral opportunities and introduces other business lines.

Qualifications

• Bachelor’s degree in accounting, finance or business administration, preferred
• Financial analysis experience and credit training
• 5 years of related experience required within financial industry

• High school diploma required; bachelor’s degree in accounting, finance or business administration, recommended.
• 7 years of related experience required within financial industry.
• Financial analysis experience and credit training, required.

• Strong business acumen and ability to fully analyze and underwrite all types of loans.
• Superior understanding and analysis of financial statements, collateral, DSCR and covenant compliance.
• Review of credit risk rating and borrower/guarantor analysis.
• Ability to assess changes, clearly identify offsetting mitigates and summarize recommendations.
• Maintains a current understanding of Bank policies and procedures in compliance with all federal and state laws, including but not limited to Bank Secrecy Act (SARs, CIP, OFAC), Information Security (GLBA), Identity Theft Red Flags, Financial Elder Abuse Reporting, and any other applicable regulations that may be specific to your job duties.

Skills

• Strong communication and analytical skills
• Effective presentation skills to C-Suite executives and organizations
• Experience with financial analysis programs and discounted cash flow models
• Good interpersonal skills, team oriented, and strong customer service skills

Benefits

Tri Counties Bank is an Affirmative Action and Equal Opportunity Employer, Race/Color/Religion/Sex/Sexual Orientation/Gender Identity/National Origin/Age/Disability/Veteran.