Manager, Portfolio Management & Underwriting- CBG

Bank of Hope•Dallas, TX

16h•$150,000 - $202,000

About The Position

Manage the loan portfolio for the Division ensuring credit quality and risks are accurately assessed. Supervise and provide underwriting guidance to loan officers and credit analysts. Review credit memos underwritten by loan officers and credit analysts. Review the loans in accordance with bank’s credit policies, product guidelines, and banking regulations. Underwrite larger and complex loans. Maintain constant communications to discuss Division’s loan portfolio to determine any potential credit risks with loan officers, relationship manager, portfolio group manager, and credit administration on a regular basis Supervise and provide training/mentoring to lending staff/team and other assistance to the portfolio group manager Investigate and follow-up on significant changes in status of existing customers; meet with customers on a needed basis and outline appropriate bank services and resolve problems as necessary; assist in the organization of the department, coordinating available resources (e.g., staff, materials, etc.) for maximum results; and recommending suitable streamlining and cost reduction and/or income generation approaches for the division Ensure implementation and compliance to meet lending and other applicable banking requirements Comply with the Bank’s security program, including but not limited to: Review and comply with the End-User Computing Agreement Acquire good knowledge on functions and usage of computer systems as related to the assigned job functions. Be current and knowledgeable in industry’s trend in safeguarding the Bank against confidential data leak, identity theft, fraudulent activities, and computer security threats. Reports suspicious activities to manager, Chief Risk Officer or Information Security Officer. Ad-hoc projects/assignments

Requirements

Minimum Education Level: Bachelor’s Degree, preferably in accounting/finance or Equivalent experience in related fields
Combination of Experience and Education can meet the job requirements: Yes
Minimum 7 years of experience in banking and three years in a management position.
Ability to analyze and organize financial information and perform complex financial calculations.
Detailed knowledge of banking regulations and laws; compliance documentation, and reporting requirements.
Excellent written and oral communication skills; ability to communicate effectively and project a professional image when giving and taking information in writing, in person, and over the phone.
Ability to respond effectively to the most sensitive inquiries or customer complaints.
Ability to make effective and persuasive speeches and presentations on controversial or complex topics to employees, management, or loan committee.
Excellent analytical skills including the ability to define problems, collect data, establish facts, and draw conclusions.
Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
Ability to demonstrate a high level of ethical behavior and follow the Code of Conduct.
Organizational ability with strong supervisory and management skills.
Ability to remain flexible in order to adapt to changes in the work environment.
Ability to study and apply new information.
Ability to take initiative and prioritize tasks; good time-management, problem prevention, and problem-solving skills.
Ability to work accurately with close attention to detail.
Ability to maintain confidentiality of sensitive information.
Ability to work with co-workers, customers, and outside agencies professionally and tactfully.
Possess a work ethic that includes neatness, punctuality, and accuracy.
Exhibit a professional, businesslike appearance and demeanor.
Supervise and monitor staff for successful operations and proper customer service.

Responsibilities

Manage the loan portfolio for the Division ensuring credit quality and risks are accurately assessed.
Supervise and provide underwriting guidance to loan officers and credit analysts.
Review credit memos underwritten by loan officers and credit analysts.
Review the loans in accordance with bank’s credit policies, product guidelines, and banking regulations.
Underwrite larger and complex loans.
Maintain constant communications to discuss Division’s loan portfolio to determine any potential credit risks with loan officers, relationship manager, portfolio group manager, and credit administration on a regular basis
Supervise and provide training/mentoring to lending staff/team and other assistance to the portfolio group manager
Investigate and follow-up on significant changes in status of existing customers; meet with customers on a needed basis and outline appropriate bank services and resolve problems as necessary; assist in the organization of the department, coordinating available resources (e.g., staff, materials, etc.) for maximum results; and recommending suitable streamlining and cost reduction and/or income generation approaches for the division
Ensure implementation and compliance to meet lending and other applicable banking requirements
Comply with the Bank’s security program, including but not limited to: Review and comply with the End-User Computing Agreement
Acquire good knowledge on functions and usage of computer systems as related to the assigned job functions.
Be current and knowledgeable in industry’s trend in safeguarding the Bank against confidential data leak, identity theft, fraudulent activities, and computer security threats.
Reports suspicious activities to manager, Chief Risk Officer or Information Security Officer.
Ad-hoc projects/assignments
All managers and supervisors are responsible to comply with and enforce the End-user Computing Agreement.
They are also responsible for establishing controls that incorporate: Segregation of duties and appropriate supervision Transaction reconciliation Review and clearing of exception items and conditions Review of regularly occurring functions and reports Reporting of discrepancies or differences in operating functions or generated reports Protection and security of equipment, software and confidential data Maintaining adequate environmental controls Monitoring and maintaining control over the use of laptop computers
They are also responsible for: Adequate staff training on the appropriate use of systems, handling of diskettes and media, security policies and protection of confidential information. Periodic review of adherence to established security controls Reporting security deficiencies to the Information Security Officer Protection of confidential information and records Ensuring that all critical data is saved on the default server drives assigned to each user for automated backup