Portfolio Manager

FirstBank•Atlanta, GA

About The Position

The Portfolio Manager supports Relationship Manager sales efforts through the growth, development, and effective management of loan portfolios, helping ensure positive performance. Under the supervision and direction of the Group Portfolio Manager or Market Leadership, the Portfolio Manager assesses risk by evaluating, designing, and overseeing aspects of portfolio construction. The role also contributes to profitability through financial and credit analysis and supports client relationships in conjunction with the Relationship Manager. The Portfolio Manager may assist with prospective-client pitch books and participate in or independently execute the sales process as part of a team with the Relationship Manager and/or Relationship Manager Associate. The role serves as a capable secondary point of contact for commercial clients and provides consistent, distinctive service aligned with the FirstBank service experience. The position requires adherence to safe and sound banking practices, applicable laws and regulations, internal controls and procedures, risk management policies, and security protocols.

Requirements

Experience in banking, specifically loan operations, lending, or credit.
Strong verbal and written communication skills in one-on-one and team environments.
Ability to allocate time effectively and independently prioritize timelines.
Strong organizational and time-management skills.
Ability to demonstrate the highest level of ethical behavior and confidentiality, including protecting sensitive information.
Ability to understand and comply with bank policy and laws and regulations applicable to the job duties.
Complete compliance training, adhere to internal procedures and controls, report known compliance-policy or legal and regulatory violations, and report suspicious customer or account activity.

Nice To Haves

Bachelor’s degree in finance or a similar field is preferred.

Responsibilities

Review pre- and post-closing documents, including submitting prerequisite and recurring credit source documentation to the bank’s imaging system.
Prepare, review, and monitor reports to ensure compliance with FirstBank guidelines and credit-monitoring requirements.
Analyze credit requests and perform financial statement analysis using the bank’s standardized analysis tools.
Monitor reports on loan commitments and outstanding balances by customer, loan type, property type, location, size, and other categories.
Partner with market leadership, Regional Presidents, and Regional Credit Officers in support of Relationship Managers to promote client portfolio growth and strong asset quality.
Monitor past-due information and future maturities, alerting Relationship Managers as needed.
Analyze key financial metrics for commercial loan risk-rating matrices to ensure accurate stratification of the bank’s commercial loan grading portfolio.
Research industry and economic trends and regulatory impacts that may affect borrowers’ ability to repay loans in the assigned portfolio.
Assist in preparing pitch books for prospective clients as needed.
Participate in or independently execute the sales process as part of a team with the Relationship Manager and/or Relationship Manager Associate, as needed.
Attend meetings and represent the Portfolio Manager and/or Relationship Manager teams as needed.
Serve as a secondary point of contact for commercial clients as part of the Relationship Manager team.
Provide consistent, distinctive client service in keeping with the FirstBank service experience.
Follow safe and sound banking procedures, applicable laws and regulations, internal controls, operational procedures, risk management policies, and security protocols.
Independently analyze credit requests and provide effective challenge in loan approval and grading using credit policy.
Ensure source documentation and credit analysis are accurate and supported in a timely manner.
Maintain regular and reliable attendance.
Perform other duties as assigned.