Senior Portfolio Manager
About The Position
The Senior Portfolio Manager supports Commercial Banking Executives in originating new loans and managing the credit portfolio. The role works closely with the origination team and credit risk management to structure transactions, review and analyze financial statements, conduct due diligence, assess credit risk, prepare deal screen presentations, and monitor and manage the credit portfolio. The position has no supervisory responsibilities and operates in an office setting; telework is not available. Limited local travel may be required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Duties and responsibilities may change at any time.
Requirements
- Seven years of experience in a commercial lending environment, with proven experience in credit evaluation, portfolio risk assessment, and/or special assets.
- Bachelor’s degree in a relevant field or equivalent additional related work experience.
- Thorough knowledge of commercial lending processes, including credit evaluation and underwriting.
- Ability to interpret lending policy accurately and apply it to portfolio management.
- Detailed knowledge and understanding of credit and financial analysis tools and techniques.
- Maintain current knowledge of and comply with applicable government regulations.
- Ability to accurately interpret loan agreements and other loan documentation.
- Ability to identify and quantify business risks and key risk drivers and focus decisions accordingly.
- Thorough knowledge of banking regulations and laws governing commercial lending.
- Strong written and oral communication skills.
- Strong organizational skills, including the ability to prioritize in a multi-task environment and meet deadlines.
- Proficiency in Microsoft Office and Excel.
Responsibilities
- Maintain working knowledge of Relationship Managers’ loan portfolios.
- Manage past-due and matured loans.
- Maintain regular contact with customers to support ongoing relationships and answer and document customer inquiries.
- Monitor, review, and update the Bank’s Tickler System for receipt of financial documents and measurement of loan covenants.
- Coordinate with Commercial Banking Administrators and other team members to request and follow up with customers for financial and other required information.
- Use system applications such as Silverlake, Baker Hill, and/or Synergy to ensure financial and loan documents are entered into the system of record.
- Monitor and assist in clearing post-closing exceptions.
- Assist Commercial Banking Executives in preparing underwriting requests.
- Perform underwriting tasks, including cash flow, trend, and sensitivity analyses.
- Read and analyze personal and business financial statements, including spreading statements when necessary.
- Assist with pre- and post-closing items and related documentation.
- Comply with Bank policies and procedures, including the BSA/AML policy, and perform other duties as assigned.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
