Senior Commercial Loan Portfolio Manager

Bank of Clarke•Winchester, VA

95d•Onsite

About The Position

Manages and administers a portfolio of commercial loans, ensuring asset quality, compliance, and strong client relationships, working closely with Commercial Loan Officers and Credit Officers.

Requirements

Bachelor’s degree or equivalent education/work experience
Excellent oral and written communication skills
Ability to analyze personal and business financial statements and tax returns
Demonstrates a comprehensive understanding of accounting principles and financial management
Strong working knowledge of Microsoft Office
Progressive level of lending experience
Attend seminars/schools required by management

Responsibilities

Prepare accurate and timely financial statement spreads
Underwrites commercial new loan and line renewals; analyzes financial statements, tax returns, cash flows, and industry data for C&I, CRE, and SBA loans
Assist in structuring new credit requests adhering to policy: develops appropriate loan terms, covenants, pricing
Conducts an annual evaluation of relationships within portfolio
Monitors portfolio delinquency and assists commercial lenders with calling on existing clients for payments up to 30 days past due
Responsible for monitoring, creating, and updating required financial reporting
Evaluate existing credit relationships and assign/affirm/request the appropriate risk rating based on the assessment of risk concluded through the analysis process
Coordinate approval process with Credit department and in Loan officer’s absence present to approval committee
Review and edit commitment letters ensuring accuracy between commitment letters and approval
Leads at minimum monthly (or as needed) portfolio management meetings with Lenders and lending assistants
Stay well-versed in current economic market trends to provide timely and relevant insights.
Assume additional responsibilities, as requested