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

First United Bank & Trust•Frederick, MD

11d

About The Position

The Commercial Relationship Portfolio Manager II ensures effective and efficient support of the Commercial Relationship process. The role manages and coordinates activities that support Commercial Relationship Managers and meet the commercial services needs of current and prospective business customers. It follows operational policies and procedures and communicates with bank management, staff, and external business clients. The position coordinates commercial loan workflow from underwriting through closing, supports loan servicing and documentation, reviews financial analyses, assists with construction-loan and reserve-account administration, and contributes to relationship management and sales activities. It may also be assigned a loan portfolio requiring operational activity such as reviews, renewals, collections, workouts, or other special handling. The role works with borrowers, internal bank departments, attorneys, title companies, insurance companies, and other parties involved in commercial lending. It supports compliance with applicable laws, regulations, bank policies, and risk-management practices. The position may attend sales and trade meetings or represent the Bank in community activities. The job location is at various outside locations as assigned. This is a salaried position and is 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.
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 that affect commercial services.
Above-average ability to use a personal computer for word processing, spreadsheet documentation, and financial analysis.
Visual and auditory skills.
Valid driver’s license.

Responsibilities

Coordinate Commercial Relationship Manager workflow by ordering and reviewing commercial loan document packages during underwriting and closing.
Maintain documentation needed to ensure compliance with bank policy, including required notations, forms, agreements, and signatures.
Communicate with commercial customers and internal and external parties, including attorneys, title companies, and insurance companies, to resolve underwriting and loan-closing questions.
Resolve outstanding issues on booked and closed loans, including lien and recording perfection matters.
Assist Relationship Managers with tracking and assembling loan files, clearing documentation exceptions, and processing advances, disbursements, construction draws, and payments.
Serve as the primary contact for Credit Quality and Loan Servicing to collect documentation for designated loans requiring annual reviews and renewals.
Review and comment on Credit Analysts’ analyses of company and personal financial statements, repayment ability calculations, and reports.
Submit financial statements and customer documents to Credit Analysts for inclusion in commercial loan files.
Join Relationship Managers in prospect and client meetings and substitute in their absence for sales activities and meetings.
Assist Relationship Managers with initial Credit Quest (CQ) Loan Submission Packages (LSPs).
Support commercial construction-loan management by ordering and reviewing inspections, updating Relationship Managers, ensuring draws adhere to budgets, and managing change orders and disbursements.
Support reserve-account management for funds maintenance, taxes, insurance, and PIP.
Complete CAR and ACAR reports on time and prepare, monitor, and maintain documentation for internal and external reporting.
Communicate with borrowers and the Loan Records Department regarding real estate releases for construction and development loans.
Ensure paydowns, partial releases, and lot releases, including ordering paperwork and maintaining spreadsheets for commercial lenders.
Maintain working relationships with bank employees in other departments and contribute independently and as a team member.
Identify potential cross-selling opportunities and provide proactive communication to potential customers and internal business partners.
Work with the Credit/Collections Department on credit requiring extra attention or potentially becoming a watch-list loan.
Manage assigned loan-portfolio activity, which may include 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 Relationship Manager sales processes through prospect/client communications, research, follow-up, and reporting.
Perform other responsibilities related to commercial lending as required.
Follow laws and organizational policies intended to prevent harassment and illegal discriminatory behavior in the workplace.
Support internal policies and procedures for risk management, safety, soundness, and regulatory compliance, including CRA, BSA, Regulation B, Flood Disaster Protection Act, and Regulation C.
May attend sales and trade meetings as a Bank representative to develop business and gather leads.
May represent the Bank in public relations and community activities.
Perform supportive tasks related to the essential functions of the job, subject to change based on individual circumstances.

Benefits

12 days of paid time off (PTO) for full-time hourly-paid employees, accrued at one day per month; accrued PTO may be used after 90 days of employment.
After the first year, unused PTO for hourly-paid employees converts to sick-time accrual; sick time accrues up to 120 days.
Annual vacation benefit after one year of service.
Salaried-paid employees accrue paid sick days at one day per month and may receive approved vacation time during the first year.
12 paid holidays.
2 personal days.
2 family sick days.
2 volunteer days after 90 days of employment.
Health care, dental, and vision coverage for single or family plans, eligible the first of the month following 30 days of full-time employment.
401(k) eligibility the first of the month following 30 days of employment, with an employer match available.
Company Wellness Program.
Company Stock program available after one year of employment.
Annual performance reviews, with salary increase amount based on individual performance.