Portfolio Manager

The First National Bank of Bastrop • Bastrop, TX

7d

About The Position

Support the analysis of the credit worthiness of the organization’s commercial credit relationships. Responsible for the client credit relationships, initial and ongoing, in the commercial lending segment, frequently serving as the client’s point of contact with the company. Affects sound and consistent underwriting and management of commercial loan risk within the assigned team while balancing the commitment to loan, deposit, and fee growth, overall client profitability, client retention, and credit quality.
Essential Duties:
· Assist in maintaining organized and current credit files. Will be involved throughout the loan underwriting process and will assume all required duties related to gathering information, facts, loan histories, relationship data, and providing same to lenders.
· During deal process, help prepare credit package for timely review and final approval including oral presentations to appropriate loan approval bodies. This includes obtaining and analyzing borrower financial statements, personal tax returns, stress-testing, profitability analysis and presentation of such material or any material that would be relevant for prudent risk management practices.
· Assist with the workflow of the relevant departments for origination and documentation of all loans.
· Make appropriate and timely notification to credit approval personnel of tardy and non­compliant borrowers, both during the loan process and during the life of the loan.
· Following the loan decision-making process work closely with the team to coordinate the documentation, closing, booking, and timely loan package completion.
· Conform all loan approvals and other packages with internal policy and regulatory requirements to insure compliance with regulatory and other legal requirements including BSA/AML.
· Develop and maintain all lending relationships in area on the centralized risk management tickler system.
· Make recommendations during the Underwriting and renewal process.
· Assist and participate in both client and prospective business calling preparation.
Bank Secrecy Act Duties:
In the performance of respective tasks and duties, this position must maintain knowledge of Bank Secrecy Act regulations and all other regulatory, security, and Bank policies and procedures.
Company Conformance:
First National Bank’s (FNB) promotional materials may include photos, videos and other recordings taken in the workplace or at company-sponsored events. Acceptance of employment with FNB gives consent to such photos, videos and other recordings and these may be used in social media posts, newsletters and other promotional materials. No extra compensation or advance notice will be provided when recordings are made or published.

n compliance with all applicable regulations and Bank policies, this position is expected to successfully produce quality work within deadlines, with or without supervision; interact professionally with other employees, customers, and vendors, while always respecting the need for confidentiality of customer information. The employee will work effectively as a team contributor on all assignments and work independently while understanding the necessity for communicating and coordinating work efforts with other employees and organizations. Furthermore, the employee is encouraged to actively represent the Bank to customers and the general public in ways that promote the integrity, validity, and mission of the Bank by participating in community organizations, events, and activities. The employee is also expected to maintain a commitment to continuing education in the banking field through self-study and both in-house and outside training opportunities in all applicable banking policies, procedures, and regulations.

Regular and punctual attendance is expected, and appropriate attire is required at all times, while either performing job functions or representing the Bank at outside events and activities.

Requirements

• Bachelor’s degree in Finance, Accounting, Business, Economics or a related field; or an equivalent combination of education and relevant work experience.
• Three years of experience in commercial or consumer lending, credit analysis, or loan portfolio management.
• Excellent organizational, analytical, and communication skills.
• Strong attention to detail with a focus on accuracy and quality of work.
• Strong proficiency in Microsoft Outlook, Word, and Excel.
• Strong understanding of banking regulations, loan documentation, and credit underwriting principles.
• Proficiency with loan operating systems, financial analysis tools, and Microsoft Office applications.

Nice To Haves

• Familiarity with community bank operations and relationship-based lending.
• Experience with problem loan resolution and workout strategies.
• Knowledge of loan risk rating systems and regulatory guidance (e.g., CAMELS, FDIC, OCC)

Responsibilities

• Assist in maintaining organized and current credit files.
• During deal process, help prepare credit package for timely review and final approval including oral presentations to appropriate loan approval bodies.
• Assist with the workflow of the relevant departments for origination and documentation of all loans.
• Make appropriate and timely notification to credit approval personnel of tardy and non­compliant borrowers, both during the loan process and during the life of the loan.
• Following the loan decision-making process work closely with the team to coordinate the documentation, closing, booking, and timely loan package completion.
• Conform all loan approvals and other packages with internal policy and regulatory requirements to insure compliance with regulatory and other legal requirements including BSA/AML.
• Develop and maintain all lending relationships in area on the centralized risk management tickler system.
• Make recommendations during the Underwriting and renewal process.
• Assist and participate in both client and prospective business calling preparation.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level