Senior Portfolio Banker - Private Equity

About the role

This position acts as an originator of consumer loans as defined by Regulation Z, Regulation G, and the Secure and Fair Enforcement for Mortgage Licensing Act (the S.A.F.E. Act).

Responsibilities

• Provides a superior level of customer service and portfolio management in lending services for all existing and potential clients and in support of a team of specialists and relationship managers.
• Applies lending expertise to a lending and deposit portfolio of accounts or part of the lending process (e.g. underwriting, funding, monitoring).
• Makes recommendations to senior leaders on strategy and new initiatives, based on an in-depth understanding of the business/group.
• Identifies cross-selling opportunities to increase client penetration for banking, investments and deposits.
• Negotiates directly with clients on new and existing opportunities.
• Works directly with clients in the event of deteriorating credit situations.
• Manages the preparation of new lending proposals or presentations to clients/prospects.
• Ensures new business meets policy and procedures requirements for profitability and risk management.
• Provides advice and support where needed with a focus on unique and complex credit transactions for prospects and clients.
• Ensures timely resolution of all client questions and concerns, both internal and external.
• Performs client sales & service support activities as required to meet client needs and maintain overall service standards.
• May act as lead relationship manager.
• Supports the sales process and client experience, identifying gaps, issues and best practices.
• Completes comprehensive analysis for risk, financial and profitability rating and assessments.
• Breaks down strategic problems, and analyses data and information to provide insights and recommendations.
• Maintains and administers accounts, ensuring compliance with credit authorization and guidelines.
• May provide specialized support for other internal and external regulatory requirements.
• Identifies business needs, designs/develops tools and training programs; may include delivery of training to audiences.
• Mitigates identified risks and makes credit recommendations/decisions in accordance with sound credit-granting principles and compliance with the Bank’s philosophy and principles outlined in corporate risk policy and supporting policies and procedures.
• Identifies and escalates irregularities and discrepancies to management as per guidelines.
• Participates in assigned audits and compliance reviews.
• Ensures proper adherence to the code of conduct and ethical guidelines.
• Follows security and safeguarding procedures and applies appropriate due diligence for the prevention of loss due to fraud, counterfeiting money laundering or defalcation in accordance with Bank policy.
• Protects the Bank’s assets by adhering to all banking, investment and lending regulations, policies, and procedures, legal and ethical requirements, process requirements, bank guidelines, and established risk guidelines.
• Operates at a group/enterprise-wide level and serves as a specialist resource to senior leaders and stakeholders.
• Applies expertise and thinks creatively to address unique or ambiguous situations and to find solutions to problems that can be complex and non-routine.
• Implements changes in response to shifting trends.

Qualifications

• Typically 7+ years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.
• In-depth / expert knowledge of personal (primarily) and commercial credit and non-credit products, monitoring/operational processes and applications.
• In-depth / expert knowledge of risk management concepts.
• Broad and diverse background in financial service industry and expert knowledge of the banking services for the high net worth / ultra high net worth markets.
• If a Credit Qualifiable job, Credit Qualifications and associated credit knowledge and skills according to the credit portfolio requirements and qualification standards.
• Seasoned professional with a combination of education, experience and industry knowledge.
• Verbal & written communication skills - In-depth / Expert.
• Analytical and problem solving skills - In-depth / Expert.
• Influence skills - In-depth / Expert.
• Collaboration & team skills; with a focus on cross-group collaboration - In-depth / Expert.
• Data driven decision making - In-depth / Expert.

Pay

$102,000.00 - $190,000.00