Associate Relationship Manager I

QCR Holdings • Davenport, IA

77d • $65,000

About The Position

The Portfolio Associate is responsible for oversight of a commercial loan portfolio including client service, underwriting and closing activities and internal service and monitoring. This position will contribute to client relationships by providing consistent quality of service.

Requirements

• Bachelor's degree in accounting, finance, business administration or related field required.
• Minimum 3 years of credit analysis, commercial, or other relevant banking experience preferred.
• Capability to utilize various banking software and Microsoft 365 products, with a high level of accuracy and attention to detail.
• Strong verbal, written and interpersonal communication skills.
• Ability to develop and maintain internal and external relationships.
• Capability to manage sensitive information and uphold confidentiality.
• Accountability when working with clients, other team members and stakeholders of the company.
• Capability to work and collaborate with a variety of individuals and groups in a constructive and professional manner.
• Strong analytical and problem-solving capabilities.
• Excellent organizational skills with the ability to organize and manage a variety of projects and tasks in a fast-paced environment.
• Ability to interpret, analyze, and communicate financial information effectively to a wide range of clients and audiences.

Responsibilities

• Assist Commercial Bankers with timely and accurate completion of commercial credit presentations, including analysis of appropriate data per credit policy, bank procedures, and regulatory requirements.
• Assist and support the Commercial Banking team from the inception of a loan request including, but not limited to, gathering financial information, preparing financial statement spreads, cash flow and other pertinent analysis and ordering appraisals/evaluation reports.
• Monitor compliance with loan agreements by working with Commercial Bankers and clients to ensure timely receipt and review of financials, covenant compliance, and other loan agreement conditions.
• Ability to perform accurate credit analysis to identify relevant issues and key credit risks.
• Prepare annual term loan reviews as requested by the Commercial Banker staff.
• Independently manage workflow of credit underwriting and portfolio management to meet required deadlines and produce quality results.
• Oversee pre- and post-closing due diligence as required by Loan Policy, the loan approval, and other interests such as SBA, FSA or USDA.
• Ensure that pre-closing loan documents are consistent with credit approval and key credit items are accurate, including interest rate, payment schedule, and responsible parties.
• Serve as a back-up to the Commercial Bankers as appropriate, including attending Loan Committee, handling client service issues, and client calling efforts.
• Responsible for internal portfolio management processes including monitoring and performing appropriate action related to past dues and maturing loans, communicating with participant banks, and working with internal and external auditors.
• Manage the portfolio tracking process, including gathering and entering data in the appropriate tracking reports, as well as reviewing and distributing monthly reports.
• Collaborate with Commercial Credit Operations, Administration and Lender staff to provide timely response to internal and external customer inquiries and servicing needs.
• Assist the department with special projects and reporting as assigned.
• Build relationships with other bank personnel to facilitate effective working relationships between credit administration and production.
• Provide timely and effective responses to servicing needs.
• Comply with all company or regulatory policies, procedures and requirements applicable to this position.
• Foster and preserve a culture of inclusion.
• Additional duties and responsibilities may be required to support the company's mission, vision and values.

Benefits

• Health Insurance
• Dental Insurance
• Vision Insurance
• Life Insurance
• Disability Insurance
• Flexible Spending Account (FSA)
• Health Savings Account (HSA)
• 401K
• Employee Stock Purchase Plan
• Paid Time Off
• Paid Holidays
• Additional Voluntary Supplemental Insurance

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Industry: Credit Intermediation and Related Activities
• Education Level: Bachelor's degree
• Number of Employees: 501-1,000 employees