Senior Portfolio Manager
About The Position
The Senior Portfolio Manager supports Commercial Banking Executives with new loan origination and credit portfolio management. 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 involves maintaining knowledge of Relationship Managers’ loan portfolios; managing past-due and matured loans; maintaining customer relationships; tracking financial-document receipt and loan covenants; coordinating customer communications; maintaining financial and loan documents in the bank’s systems; responding to customer inquiries; clearing post-closing exceptions; supporting underwriting requests; performing financial and credit analyses; and assisting with pre- and post-closing items and documentation. The role also complies with the Bank’s BSA/AML policies and performs other assigned duties. This is a non-supervisory role performed in an office setting. Telework is not available. Limited local travel may be required.
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 the commercial lending process, including credit evaluation and underwriting.
- Ability to accurately interpret lending policy and apply it to portfolio management.
- Detailed knowledge and understanding of credit and financial analysis tools and techniques.
- Maintain current knowledge of and abide by 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 set priorities in a multi-task environment and meet deadlines.
- Proficiency in Microsoft Office and Excel.
Responsibilities
- Support Commercial Banking Executives with new loan origination and credit portfolio management.
- Work with the origination team and credit risk management to structure transactions, conduct due diligence, assess credit risk, prepare deal screen presentations, and monitor and manage the credit portfolio.
- Maintain working knowledge of Relationship Managers’ loan portfolios.
- Manage past-due and matured loans.
- Maintain regular customer contact for ongoing relationship management and answer and document customer inquiries.
- Monitor, review, and update the Bank’s Tickler System for financial document receipt and loan covenant measurement.
- Coordinate with Commercial Banking Administrators and other team members to request and follow up on customer financial and other required information.
- Use system applications such as Silverlake, Baker Hill, and/or Synergy to ensure financial and loan documents are placed in 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 analysis; read and analyze personal and business financial statements and spread statements when needed.
- Assist with pre- and post-closing items and related documentation.
- Comply with Bank policies and procedures, including the BSA/AML policy.
- Perform other duties as assigned.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
