Senior Portfolio Manager

Summary

This position will serve as a key support function for the production officers of the Commercial Banking area and the Chief Banking Officer, focusing on developing and maintaining commercial lending and depository relationships for the Bank. This position will aid in the management of the bank’s global commercial portfolio by participating in projects as directed by the Chief Banking Officer.

Specific Job Duties

• Portfolio Manager Role:
  • Aid Bankers in preparation of any loan file comments, monitor loan covenants, monitor proper financial statement reporting, and monitor any collateral reporting as dictated by the policies of the organization.
  • Prepare and/or analyze various periodic reports as requested by Senior Management, including the Market President and Chief Banking Officer (portfolio trends, exceptions to loan policy, risk ratings, loans sorted by various collateral codes, others as requested).
  • Responsible for keeping current on all deposit and credit compliance and regulations; disseminate this information to the local and bank-wide teams, and ensure proper procedures are followed.
  • Maintain a general understanding of products and services available within the Bank to refer customers to the proper department contact person.
  • Provides support and sales reporting for the Bank’s sales efforts which may include selling and promoting Bank’s services, as opportunities arise.
• Credit/Lending Role:
  • Analyze financial and credit information pertaining to prospective and existing customers, provide subjective and objective risk taking, analyze the credit history of applicants and determine their loan repayment capabilities, spread, and analyze financial statements for existing and prospective clients.
  • Make recommendations for changes to loan structure or presentation, as needed.
  • Completes Lenders’ portions of credit approval presentation and prepares a written analysis of the loan and borrower.
  • Aid in general preparation for credit presentations to appropriate approval authority (matrix, credit committee, etc.)
  • Recommend credit grades.

Job Requirements

• Bachelor’s degree in Accounting, Finance or related field
• Five years’ experience in a financial institution or loan office setting
• Strong credit skills including financial and analytical skills
• Good organizational and interpersonal skills
• Ability to work in a team setting
• Strong oral and written communication skills in order to effectively communicate with co-workers and customers about the financial institution’s loan and deposit products, programs, and policies
• Ability to organize and prioritize time and activity under minimal supervision
• Good knowledge of Microsoft Office Products including Word and Excel