Portfolio Manager

Wilson Bank & Trust•Chattanooga, TN

About The Position

The Portfolio Manager I supports the ongoing administration, monitoring, documentation, and servicing of assigned lending portfolios after closing. In partnership with lenders and internal teams, the role helps maintain portfolio quality, timely financial and collateral documentation, accurate reporting, regulatory compliance, and a strong customer experience. The Portfolio Manager identifies and escalates documentation, credit, collateral, past-due, covenant, and servicing concerns, and supports timely resolution in accordance with bank policy and approval requirements. The position reports to the Regional President and provides service and support to team members and customers while demonstrating the company’s values and supporting its mission. The position also supports lending relationships through renewals, modifications, extensions, annual reviews, servicing requests, portfolio monitoring, customer communications, reporting, and coordination with internal and external partners. It may assist with collection and loss-mitigation follow-up, construction draw monitoring, collateral inspections, and appraisal or evaluation tracking. The Portfolio Manager serves as backup for a lending assistant and maintains knowledge of lending practices, regulations, policies, products, systems, and documentation requirements.

Requirements

High school diploma or GED.
Three years of experience in banking, lending operations, loan documentation, credit support, or a related financial services role.
Proficiency with Microsoft Office, including Excel, and ability to learn and effectively use loan origination, documentation, imaging, servicing, and reporting systems.
Working knowledge of loan documentation, servicing, collateral, lien perfection, insurance, and exception management.
Working knowledge of lending regulations, internal controls, confidentiality requirements, and BSA/AML responsibilities.
Ability to read and apply loan approvals, credit memoranda, title commitments or opinions, appraisals or evaluations, deeds of trust, UCC documentation, and related loan documents.
Ability to review financial information, recognize inconsistencies or developing concerns, and escalate issues appropriately.
Ability to manage multiple priorities and deadlines while maintaining accuracy, attention to detail, and sound judgment.
Effective verbal and written communication skills and excellent interpersonal skills.
Effective presentation skills.
Critical-thinking and problem-solving skills.
High standards for integrity, honesty, professionalism, and work ethic.
Commitment to service excellence.
Ability to work independently with strong organization and follow-through.
Flexible and efficient time management and ability to prioritize workload.
Ability and willingness to work with purpose and a strong sense of urgency.
Self-motivated, positive, and enthusiastic.
Self-starter with a strong desire to exceed expectations and support a team.
Ability to maintain confidentiality and discretion.
Ability to collaborate effectively with others to achieve business objectives.
Must be able to work extended hours as needed.
Willingness to grow and be challenged.

Nice To Haves

Associate degree in business, finance, accounting, or a related field.
Previous portfolio manager experience.
Experience supporting lending portfolios.
Experience with real estate, construction, small business, and secured lending documentation.
Experience with bank loan-processing, document-preparation, imaging, servicing, or portfolio-reporting systems.

Responsibilities

Provide ongoing administrative and portfolio support for lending relationships following closing, including renewals, modifications, extensions, annual reviews, servicing requests, and other portfolio maintenance activities.
Monitor assigned portfolios for upcoming maturities, financial statement requirements, covenant testing, insurance renewals, collateral documentation, lien perfection, exceptions, past-due status, and other required follow-up.
Gather, organize, and review borrower and guarantor financial information, tax returns, collateral documentation, and supporting materials for completeness, accuracy, and consistency with approval terms.
Support preliminary financial and credit review by identifying material changes, missing information, policy exceptions, documentation concerns, and emerging portfolio risks for escalation.
Review loan approvals and documentation to confirm terms, collateral, lien position, insurance, and other requirements are accurately reflected and maintained.
Maintain accurate, complete, and organized electronic credit and loan files in accordance with bank standards, record-retention requirements, and audit or examination expectations.
Coordinate with lenders, credit, loan operations, compliance, legal, appraisers, attorneys, insurance providers, and other partners to resolve documentation, collateral, servicing, and portfolio issues.
Communicate professionally with customers to request financial information, provide status updates, coordinate servicing needs, and follow up on outstanding requirements.
Prepare and distribute recurring and ad hoc reports on portfolio activity, maturities, exceptions, past-due loans, covenants, production, and other management needs.
Assist with collection and loss-mitigation follow-up on past-due or downgraded credits as directed, and promptly escalate material concerns.
Support construction draw monitoring, collateral inspections, appraisal or evaluation tracking, and related documentation when applicable.
Process or coordinate approved loan maintenance and servicing requests accurately and within established authority, procedures, and service standards.
Participate in portfolio reviews, lending meetings, training, process-improvement initiatives, and cross-functional discussions as requested.
Serve as backup for a lending assistant.
Maintain current knowledge of lending practices, applicable regulations, bank policies, loan products, systems, and documentation requirements.
Maintain professional and technical knowledge through educational workshops, professional publications, networking, and professional associations.
Attend training as requested.
Comply with federal bank regulations and laws, including consumer protection and Bank Secrecy Act/Anti-Money Laundering requirements.
Participate in outside community activities as required.
Perform other duties as assigned.