Portfolio Manager I

CAPITAL COMMUNITY BANK•Pleasant Grove, UT

9d•Onsite

About The Position

The Portfolio Manager is responsible for assessing the loan applicant’s ability to repay the loan and assisting the Loan Officers and the Bank’s Credit Risk Managers in determining whether the loan is approved. The incumbent will gather and review financial data and prepare reports based on their findings.

Requirements

Proven analytical and critical thinking skills.
Associates or bachelor’s degree in accounting, Finance, or Business related field, preferred, Equivalent work experience will be accepted.
Willingness to learn and a fundamental curiosity about financial principles and analysis.
Knowledge of economics, accounting, and finance.
Effective verbal and written communication
Demonstrated competency with Microsoft Word and Excel
Willingness and ability to learn financial analysis software.
Ability to work independently or part of a dynamic team.
Ability to meet bonding requirements for employment purposes.

Nice To Haves

Regulatory Expertise: Profound understanding of regulatory compliance requirements, and a comprehensive compliance management system.
Industry-Specific Experience: Familiarity with the unique dynamics of Banking, Mortgage, and Loan Servicing environments, is preferred.
Project Leadership: A proven track record of leading complex projects, demonstrating your leadership skills in delivering transformative initiatives in collaboration with diverse teams.
Communication Excellence: Exceptional communication and presentation skills that empower you to articulate complex concepts clearly to both technical and non-technical stakeholders.

Responsibilities

Assist Loan Officers and Credit Risk Management with analyzing credit data and financial information of persons or companies. This includes gathering current and prospective customer financial information and analyzing and interpreting this information.
Analyze the financial performance of borrowers compared to industry standards, projections, and historical performance.
Review the status of existing loans and perform follow-up analysis to ensure credit quality standards are being maintained, evaluate risk, enhance the detection of credit deterioration, and minimize fraud and credit losses.
Assist with the preparation of annual credit reviews and determining ongoing credit worthiness.
Assist with updating credit memorandums, and the management of tickler reports.
Evaluating customer compliance with loan terms and conditions
Provide financial underwriting assistance to Loan Officers with credit requests, as assigned
Ensure that policies and procedures are adhered to consistently
Assist in the preparation and presentation of various internal credit reports to management, board of directors, and other committees.
Assist in the performance of loan portfolio stress-testing.
Interpersonal – Cultivate and maintain a professional image and rapport with customers, co-workers, regulators, auditors and bank management and directors.
Keep appropriate parties informed of project status, problems, issues, etc.
Negotiate and resolve discrepancies/differences around projects or work assignments.
Compliance- Support the Bank’s compliance with all applicable federal and state laws and regulations.
Develop familiarity with all applicable federal and state banking rules and regulations regarding lending.
Adhere to all Bank policies and procedures.
Other duties as assigned.