Portfolio Manager in Jacksonville

Austin Bank • Jacksonville, TX

7d

About The Position

The Portfolio Manager supports customer relationships and manages portfolio administration and risk for client relationships in accordance with Austin Bank credit policies, procedures, business strategy, and applicable commercial and regulatory guidelines. The role partners with Relationship Managers and coordinates with the Credit Department, Real Estate Valuation Department, loan support staff, and other internal business partners. It also provides customer service, supports lending and credit processes, monitors repayment and financial condition, and identifies opportunities to connect customers with other bank products.

Responsibilities

• Understand and comply with financial transaction regulations, especially the Bank Secrecy Act (BSA) and Customer Identification Program (CIP), as they relate to the position.
• Provide superior customer service, build strong customer relationships, greet customers, and help identify appropriate banking and financial solutions.
• Contribute to teamwork and departmental goals, stay informed through company communications, pursue approved ongoing training, and uphold the organization's ethics, integrity, and confidentiality values.
• Ensure portfolio administration and risk management for client relationships comply with Austin Bank credit policy, procedures, business strategy, and applicable commercial and regulatory guidelines.
• Partner with the Relationship Manager as a client point of contact and liaise with the Credit Department, Real Estate Valuation Department, loan support staff, and other internal business partners.
• Maintain portfolio quality by managing past dues, overdrafts, insurance, policy exceptions, ticklers, covenants, loan agreements, borrowing bases, and n-drives.
• Assist lenders in obtaining financial information and required documentation, and notify credit and lending teams about documentation issues and follow-up needs.
• Monitor loan repayments and borrowers' financial condition, take necessary action to collect past-due accounts, and assess ongoing repayment ability for other accounts.
• Present specific loans and participate in the bank's Loan Approval Process, recommending approval and appropriate credit structures.
• Assist with preparing cash flows and spreads for relationships under $500,000; provide backup for the Credit Analyst Department when needed.
• Perform periodic reviews, update files, and purge files when necessary.
• Review appraisals and loan documents before closing.
• Attend loan closings and customer meetings, and perform inspections.
• Identify cross-selling opportunities for bank products, including Treasury Management and Austin Bank Financial Services.
• Participate in community and business functions or groups to promote a positive image for the bank, and attend scheduled planning sessions.
• Perform other duties as assigned.

What This Job Offers

• Job Type: Full-time
• Education Level: No Education Listed