Portfolio Manager Team Lead
About The Position
JOB SUMMARY: Credit Team Manager must have an effective and intense knowledge of Commercial and Industrial (C&I) credit, including Revolving Lines of Credit, and Term Loans, Asset Based Lending (ABL), Commercial Real Estate (CRE), including non-owner and owner occupied, as well as consumer lending and personal Real Estate expertise. ESSENTIAL DUTIES AND RESPONSIBILITIES: Provide guidance and structure to front line Relationship Management Team. Minimize Credit Approvals that could be potential viewed as exception or underwritten under non-supported overtly liberal terms. Minimize portfolio losses. Support Regional Manager with existing, renewing, and new Credit Requests. Provides training/coaching to Credit Analysts as assigned. Communicate constantly issues within the portfolio or potential issues on incoming requests. Monitor portfolio for maturing credits and/or past due credits. Perform regular reviews of credits within the portfolio as well as collateral. Recommend appropriate risk grading based upon performance and economic environment affecting the client/industry. Assist Relationship Management Team by being available to meet clients and prospects in the field (as applicable). Maintain tight contact with clients assigned by calling on personal portfolio’d clients no less than quarterly, and problem credits no less than monthly. Assist in loan documentation and structure by working closely with the Note Department. Inspect Loan Documentation for errors or issues. Management of a portfolio of commercial credit relationships. Through proactive client profiling deepens existing relationships by cross-selling. Responsible for maintaining and monitoring relationships, credit analysis, and underwriting, as team workload requires. Utilization of financial analysis and modeling to provide value-add input into clients' Management decisions. Responsible for maintaining ticklers to ensure documentation and covenants are kept up to date. Participates in weekly sales pipeline meetings to provide an overview of individual and market sales opportunities. Responsible for keeping current on the bank’s lending policies, products, and services.
Requirements
- Experience with financial analysis, including spreading, tickler management, covenant testing, and modeling/projections.
- Effective and professional communication skills are a must. Strong written and verbal communications skills.
- Professional-level skills with spreading software, MS Excel and MS Office.
- Experience with loan documentation, including outside counsel-prepared loan documentation.
- Ability to handle the most demanding and sensitive client relationships.
- Ability to sell value of a relationship over price. Capable of handling negotiations, including in the area of loan documentation.
- Independent thinker and self-starter.
- Responsible for cross selling all product lines.
- Excellent written and verbal communication skills, attention to detail and follow-through.
- Demonstrated leadership skills and ability to foster and sustain collaborative work relationships within the bank.
- Bachelor’s degree (Master’s degree preferred) and seven to ten years of commercial lending experience specifically with a focus on credit underwriting.
- Broad knowledge and experience in banking operations, product, and services.
Responsibilities
- Provide guidance and structure to front line Relationship Management Team.
- Minimize Credit Approvals that could be potential viewed as exception or underwritten under non-supported overtly liberal terms.
- Minimize portfolio losses.
- Support Regional Manager with existing, renewing, and new Credit Requests.
- Provides training/coaching to Credit Analysts as assigned.
- Communicate constantly issues within the portfolio or potential issues on incoming requests.
- Monitor portfolio for maturing credits and/or past due credits.
- Perform regular reviews of credits within the portfolio as well as collateral.
- Recommend appropriate risk grading based upon performance and economic environment affecting the client/industry.
- Assist Relationship Management Team by being available to meet clients and prospects in the field (as applicable).
- Maintain tight contact with clients assigned by calling on personal portfolio’d clients no less than quarterly, and problem credits no less than monthly.
- Assist in loan documentation and structure by working closely with the Note Department.
- Inspect Loan Documentation for errors or issues.
- Management of a portfolio of commercial credit relationships.
- Through proactive client profiling deepens existing relationships by cross-selling.
- Responsible for maintaining and monitoring relationships, credit analysis, and underwriting, as team workload requires.
- Utilization of financial analysis and modeling to provide value-add input into clients' Management decisions.
- Responsible for maintaining ticklers to ensure documentation and covenants are kept up to date.
- Participates in weekly sales pipeline meetings to provide an overview of individual and market sales opportunities.
- Responsible for keeping current on the bank’s lending policies, products, and services.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
