Portfolio Manager

Glacier Bancorp, Inc.•Lewistown, MT

12d•Onsite

About The Position

First Bank of Montana is hiring a Credit Portfolio Manager to be an integral part of our team! The position will be located in our Lewistown, Montana branch. This position involves providing loan support on multiple levels and requires a positive attitude and great customer service skills. The ability to work in a team atmosphere and promote the bank's products and services is required. Professionalism, confidentiality, good attendance, punctuality, flexibility and adaptability are a must! The successful candidate will have extensive contact with bank staff as well as with external customers. He/She will be expected to conduct him/herself in a manner that will enhance the overall efficiency and image of the bank. It will be required to build and maintain rapport with co-workers and customers in order to complete tasks in a timely manner while following all policy and regulatory requirements. Must comply with applicable laws and regulations, including but not limited to, the Dodd-Frank Act, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Must complete the assigned online training courses and achieve a score of 85% or greater by due date. Credit Portfolio Manager Essential Functions: Participate directly in lending activities, including assisting with loan structuring, pricing, and supporting loan officers in presenting credit requests. Support loan officers in gathering financial information, preparing lending packages, and ensuring files are complete for loan committee review. Assist in identifying new lending opportunities within assigned portfolios and engage with customers regarding potential credit needs. Manage an assigned portfolio of commercial credits, including monitoring maturities, renewals, loan covenants, annual reviews, and potential risk concerns. Assist in collecting customer monitoring requirements such as borrowing base certificates and financial reporting. Identify concerns or deteriorating trends in credits and escalate appropriately. Support Relationship Managers with portfolio management involving credit, deposit, and treasury services. Structure and underwrite commercial loans and agricultural loans. Spread and analyze financial statements and tax returns using approved tools and credit criteria. Prepare, review, and submit pre-underwriting analyses and credit authorizations. Maintain a pipeline of loans, ensuring organized and timely completion of tasks. Communicate professionally with customers to request financials, respond to questions, and ensure timely follow-up. Participate in meetings with existing or prospective customers as needed. Ensure compliance with Reg B, CRA, HMDA, and Adverse Action requirements. Work with credit, loan assistant, and loan operations teams to ensure accurate documentation and timely processing. Understand loan closing processes and ensure smooth movement of requests through the loan department. Complete annual term loan reviews and assist with problem loan reports. Participate in community involvement and bank-sponsored activities as appropriate. Maintain professional appearance, confidentiality, and positive conduct in all interactions. Other Job Functions: Perform job functions in compliance with all company policies and procedures, federal and state rules and regulations as applicable to the position, including, but not limited to BSA/AML, OFAC and GLBA/privacy rules. Keep management appropriately informed of area activities and of any significant problems. Participate in community service and bank sponsored activities that serve and support the mission and values of First Bank of Montana. Provide superior internal and external customer service: must demonstrate self-governance, courtesy, and respect toward external customers as well as internal customers (all organization personnel). Represent First Bank of Montana in a professional manner which includes a professional image, confidentiality, a positive “can-do” attitude, good attendance, punctuality, flexibility and adaptability in meeting bank and customer needs. Keep work area tidy and maintain customer privacy. Attend and participate in meetings as required. Regular and predictable attendance is an essential function of this job in order to accomplish, among other things, in-person contact with customers and lenders. Additional duties as requested or assigned.

Requirements

High school diploma or equivalent
Three years of commercial credit analysis or relevant experience
Three years of commercial lending or commercial banking or relevant experience
Extensive knowledge of commercial credit policy, regulations, and credit quality standards.
Strong analytical skills; ability to interpret financial statements and tax returns.
Proficient in Microsoft Word, Excel, and related systems.
Ability to communicate clearly and professionally, both verbally and in writing.
Strong organizational ability with effective prioritization and multi-tasking skills.
Ability to maintain cooperative working relationships and represent the bank professionally.
Strict confidentiality regarding customer and bank information.
Comfort in communicating with customers regarding financial documentation, underwriting questions, and follow-up.
Broad knowledge of bank products, including commercial loans, deposits, consumer/mortgage products, and treasury services.
Understanding of credit, loan assistant functions, and loan operations workflow.
Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators.
Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary.
Must be capable of regular, reliable and timely attendance.
Must be capable of climbing / descending stairs in an emergency situation.
The employee is constantly required to stand and walk.
Exerting up to 10 pounds of force occasionally, and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects, including the human body.
The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.
Must be capable of occasional travel (less than 10 days per year) by automobile (as driver and passenger), commercial airlines, rental vehicles and public transportation and be able to lodge in public facilities.

Nice To Haves

Undergraduate degree is business, finance, economics, or related field preferred

Responsibilities

Participate directly in lending activities, including assisting with loan structuring, pricing, and supporting loan officers in presenting credit requests.
Support loan officers in gathering financial information, preparing lending packages, and ensuring files are complete for loan committee review.
Assist in identifying new lending opportunities within assigned portfolios and engage with customers regarding potential credit needs.
Manage an assigned portfolio of commercial credits, including monitoring maturities, renewals, loan covenants, annual reviews, and potential risk concerns.
Assist in collecting customer monitoring requirements such as borrowing base certificates and financial reporting.
Identify concerns or deteriorating trends in credits and escalate appropriately.
Support Relationship Managers with portfolio management involving credit, deposit, and treasury services.
Structure and underwrite commercial loans and agricultural loans.
Spread and analyze financial statements and tax returns using approved tools and credit criteria.
Prepare, review, and submit pre-underwriting analyses and credit authorizations.
Maintain a pipeline of loans, ensuring organized and timely completion of tasks.
Communicate professionally with customers to request financials, respond to questions, and ensure timely follow-up.
Participate in meetings with existing or prospective customers as needed.
Ensure compliance with Reg B, CRA, HMDA, and Adverse Action requirements.
Work with credit, loan assistant, and loan operations teams to ensure accurate documentation and timely processing.
Understand loan closing processes and ensure smooth movement of requests through the loan department.
Complete annual term loan reviews and assist with problem loan reports.
Participate in community involvement and bank-sponsored activities as appropriate.
Maintain professional appearance, confidentiality, and positive conduct in all interactions.
Perform job functions in compliance with all company policies and procedures, federal and state rules and regulations as applicable to the position, including, but not limited to BSA/AML, OFAC and GLBA/privacy rules.
Keep management appropriately informed of area activities and of any significant problems.
Participate in community service and bank sponsored activities that serve and support the mission and values of First Bank of Montana.
Provide superior internal and external customer service: must demonstrate self-governance, courtesy, and respect toward external customers as well as internal customers (all organization personnel).
Represent First Bank of Montana in a professional manner which includes a professional image, confidentiality, a positive “can-do” attitude, good attendance, punctuality, flexibility and adaptability in meeting bank and customer needs. Keep work area tidy and maintain customer privacy. Attend and participate in meetings as required.
Regular and predictable attendance is an essential function of this job in order to accomplish, among other things, in-person contact with customers and lenders.
Additional duties as requested or assigned.