Portfolio Banker

Park State Bank•Grand Rapids, MN

14d•$64,729 - $80,911

About The Position

The Portfolio Banker continuously monitors and assesses credit profiles within an assigned customer portfolio, supports customer retention through exceptional service, and ensures renewals, extensions, and annual reviews are completed on time. The role seeks to enhance customer profitability through cross-selling, replace portfolio runoff and amortization by expanding business within existing relationships, and pursue referrals from customers and centers of influence. The position manages customer relationships involving credit, deposits, and fee-based products and services; handles account and loan maintenance; responds to customer inquiries; and ensures portfolio information and documentation are accurate. The Portfolio Banker participates in customer meetings, evaluates borrower creditworthiness for new and renewing loans in accordance with credit policy, and manages loan requests through underwriting, approval, closing, and ongoing administration. The role also manages enterprise risk, reports credit concerns promptly, identifies product opportunities, and refers business to internal partners and other business lines. The employee must adhere to relevant compliance requirements, protect confidential customer and employee information, and perform other duties as assigned. The position works in an indoor office setting and requires weekly travel to branches within the region. The employee should be comfortable handling stressful situations and working in a fast-paced environment, meeting deadlines, multitasking, and adjusting priorities. A valid driver's license and reliable transportation are required.

Requirements

High school diploma or GED.
Two or more years of experience in commercial lending as a credit analyst, underwriting specialist, portfolio manager, or relationship manager, and/or an accounting or business-related degree.
General knowledge of financial lending regulations.
General knowledge of credit philosophy and policies, as well as loan documentation.
Strong verbal, written, interpersonal, analytical, and problem-solving skills.
Intermediate knowledge of Microsoft Word, Excel, PowerPoint, Access, and Outlook, including creating templates, completing mail merges, inserting and editing charts, creating basic formulas, and creating queries.
Ability to quickly understand, combine, and organize information into meaningful patterns.
Customer-service focus and ability to maintain confidentiality of customer information.
Resourcefulness, organization, multitasking, effective problem-solving and decision-making, and strong attention to detail.
Ability to handle stressful situations and work in a fast-paced environment while remaining calm and precise.
Ability to meet deadlines, multitask, and adjust priorities as necessary.
Ability to work with all levels of management and the Bank's vendors.
Self-starter who can challenge existing processes and identify and implement efficiencies and cost-saving solutions.
Valid driver's license and reliable transportation for weekly regional branch travel.
Ability to exchange accurate information orally and in written English.

Responsibilities

Continuously monitor and assess the credit profiles of customers in the assigned portfolio.
Provide exceptional service to help retain customer relationships.
Ensure renewals, extensions, and annual reviews are completed in a timely manner.
Seek cross-sell opportunities and ways to enhance customer profitability.
Replace portfolio runoff and amortization by selling deeper into the existing book of business.
Seek referral opportunities from current customers and centers of influence.
Manage basic and complex customer relationships involving credit, deposits, and fee-based products and services.
Perform or initiate account and loan maintenance as required.
Act as a liaison for customer inquiries, issue account instructions, and redirect requests when appropriate.
Ensure the accuracy of information, data, and documentation for portfolio accounts.
Participate in customer meetings to strengthen relationships and expand business opportunities.
Determine borrower creditworthiness for new and renewing loan requests in accordance with credit policy, and manage requests through underwriting, approval, and closing.
Ensure loan transactions are properly documented.
Continuously review and administer loans.
Manage enterprise risk for products and services, including depository services and Treasury Management products.
Report credit risk issues in a timely manner.
Review existing relationships for product penetration and pursue opportunities involving loans, deposits, fees, and non-credit products and services; issue proposals as appropriate.
Identify and refer business opportunities to internal product partners and other target market business lines.
Become knowledgeable about and adhere to relevant compliance regulations.
Perform other duties as assigned.