640 - Commercial Reg 4 - Fred - Commercial Relationship Portfolio Manager II

First United Bank & Trust•Frederick, MD

102d•$46,000 - $101,200

About The Position

The Commercial Relationship Portfolio Manager II supports the Commercial Relationship process by coordinating activities for Commercial Relationship Managers and helping meet the commercial services needs of current and prospective business customers. The role ensures compliance with operational policies and procedures and communicates effectively with bank management, staff, borrowers, and other business partners. The position coordinates commercial loan documentation through underwriting, closing, booking, and servicing; assists with loan files, exceptions, advances, disbursements, construction draws, payments, annual reviews, and renewals; and reviews financial analyses to support sound credit decisions. It also supports construction-loan administration, reserve accounts, reporting, sales efforts, and customer communications. The position may be assigned a loan portfolio requiring reviews, renewals, collection or workout activity, and other special handling. The role works with internal departments and external parties such as borrowers, attorneys, title companies, and insurance companies. It supports risk management and regulatory compliance, maintains effective working relationships across the bank, and may participate in sales, trade, public-relations, and community activities. The position is based at various outside locations as assigned and is salaried and not eligible for overtime.

Requirements

Bachelor of Science or Bachelor of Arts degree in Accounting, Business, Finance, or a related field; alternatively, a high school diploma and at least five years of directly related commercial lending or banking industry experience will be considered.
Three to five years of commercial portfolio experience is normally required.
Above-average proficiency in reading, writing, grammar, and mathematics.
Strong interpersonal, communication, and sales skills.
Expert-level knowledge of the bank’s commercial products and services.
Strong working knowledge of bank operating policies and procedures affecting commercial services.
Above-average proficiency using a personal computer for word processing, spreadsheet documentation, and financial analysis.
Visual and auditory skills.
Valid driver's license.

Responsibilities

Coordinate workflow for Commercial Relationship Managers by ordering and reviewing commercial loan document packages throughout underwriting and closing, and maintain documentation supporting compliance with bank policy.
Communicate with commercial customers and internal and external parties, including attorneys, title companies, and insurance companies, to resolve questions about underwriting information and loan closings.
Resolve outstanding issues on booked and closed loans, including lien and recording perfection matters.
Assist Commercial Relationship Managers with tracking and assembling loan files, clearing loan and documentation exceptions, and processing loan advances, disbursements, construction draws, and payments.
Serve as the primary contact for Credit Quality and Loan Servicing to collect documentation and updates for designated commercial loans requiring annual reviews and renewals.
Review and comment on Credit Analysts’ analyses of company and personal financial statements, repayment ability calculations, and written reports.
Submit financial statements and customer documents to Credit Analysts for inclusion in commercial loan files.
Attend prospect and client meetings with Commercial Relationship Managers and substitute in their absence in sales activities and meetings.
Assist Relationship Managers with completing initial Credit Quest (CQ) Loan Submission Packages (LSPs).
Support commercial construction-loan management, including ordering and reviewing inspections, updating Commercial Relationship Managers, ensuring draws adhere to budgets, and managing change orders and disbursements.
Support reserve accounts used to escrow for funds maintenance, taxes, insurance, and PIP.
Complete CAR and ACAR reports in a timely manner.
Prepare, monitor, and maintain documentation for internal and external reporting to provide consistent, high-quality service.
Coordinate with borrowers and the Loan Records Department on real-estate releases for construction and development loans; ensure paydowns, partial releases, and lot releases, including paperwork and spreadsheet maintenance.
Maintain productive working relationships with employees in other departments and contribute independently and as a team member.
Identify potential cross-selling opportunities and communicate proactively with potential customers and internal business partners to support business growth.
Work with Credit/Collections on credits requiring extra attention or potentially becoming watch-list loans.
Manage assigned loan portfolios, potentially including reviews, renewals, collections, workouts, and other special needs.
Provide reports and documents to Executive Management, special committees, and other management personnel as assigned or requested.
Support Commercial Relationship Managers’ sales efforts through prospect and client communications, research, follow-up, and reporting.
Perform other responsibilities related to the commercial lending process as required.
Follow applicable laws and organizational policies intended to prevent harassment and unlawful discrimination in the workplace.
Support internal policies, procedures, and practices related to risk management, safety, soundness, and regulatory compliance, including CRA, BSA, Regulation B, Flood Disaster Protection Act, and Regulation C requirements.
May attend sales and trade meetings as a bank representative to develop business and gather information and leads.
May represent the Bank in public relations and community activities.
Perform supportive tasks related to the essential functions of the job, which may be altered or redesigned depending on individual circumstances.

Benefits

12 days of paid time off for full-time hourly-paid employees, accrued at one day per month; accrued PTO may be used after 90 days of employment.
Unused PTO converts to sick-time accrual at the end of the first year for hourly-paid employees; sick time accrues up to 120 days under the described policy.
Salaried-paid employees accrue paid sick days at one day per month and may receive approved vacation time during their first year; salaried employees are not eligible for PTO.
12 paid holidays.
2 personal days.
2 family sick days.
2 volunteer days after 90 days of employment.
Health care coverage, including single and family options, beginning the first of the month after 30 days of full-time employment.
Dental insurance, including single and family options, beginning the first of the month after 30 days of full-time employment.
Vision insurance, including single and family options, beginning the first of the month after 30 days of full-time employment.
401(k) eligibility beginning the first of the month after 30 days of employment, with employer match available.
Company wellness program.
Company stock program available after one year of employment.
Annual performance reviews, with salary increases based on individual performance.
Annual vacation benefit after one year of service.