Sr. SBA Commercial Portfolio Manager

Berkshire Bank•Pittsfield, MA

6d•$85,457 - $122,975

About The Position

Provides relationship management support to Line of Business (SBA Lending) in monitoring and servicing an existing portfolio of complex loans and borrowing relationships. Continuously evaluates operational and financial performance to maintain portfolio quality and risk rating accuracy. Interacts with customers as well as bank employees to address credit and loan service-related matters in a satisfactory manner. Assists Lending Officers in all aspects of servicing customers.

Requirements

Credit Trained or equivalent level of experience
Knowledge of SBA SOP 5010 and 5057 commensurate with experience
Ability to assess financial performance and risk including identifying ways to mitigate risk to the bank
Solid working relationship with Credit Partners to ensure ongoing credit quality of portfolio
Underwriting as necessary
Strong working knowledge of Loan policy and proven ability to adhere to sound risk management/pricing practices as well as to all internal and external credit/regulatory requirements
May have specialized industry/market knowledge consistent with portfolio (SBA)
Ability to resolve customer problems independently
Ability to review most loan documentation with minimal guidance from RM
Demonstrated solid working relationships with internal partners including Credit, Documentation & Loan Specialists, Risk Management, Cash Management, Private Banking, Wealth Management, Retail, and Home Lending
Interacts with partners with minimal supervision
Solid knowledge of Commercial Credit Products and Services
Developing well-rounded knowledge of products sold by internal partners including Cash Management, Private Banking, Wealth Management, Retail and Home Lending
Ability to identify various cross-sell opportunities and make solid product recommendations to meet customer needs
BS Degree in Business, Economics or Finance or 10+ years in a banking career including financial analysis or loan workout as a prerequisite
Equivalent financial experience
Continuing education in bank related courses
Minimum of 10+ years of Commercial Credit/Banking and/or equivalent related experience of ascending responsibilities
Prior SBA Loan Servicing for 1+ years or equivalent
Ability to prioritize and work under pressure
Solid written and verbal communications skills
Strong attention to detail
Ability to present identified issues and recommended solutions to RM/Senior Management/ORC/ELC as appropriate
Ability to work as a member of team
Proficient in Microsoft Office including Word, Excel, PowerPoint, Outlook, etc.
Computer skills including web-based searches
Ability to prepare Credit Memos for all servicing requests including financial statement spreading

Responsibilities

Assists Relationship Manager(s) (RM) with the management of a defined portfolio of existing Commercial Customers
Manages all reporting delinquencies including ongoing tracking via Baker Hill to ensure timely receipt of all financial, collateral, borrowing base, insurance, and documentation exception/post-closing information including scanning information into Image Centre/FCM
Completion of Annual Reviews for relationships periodic file memos
Review and complete customer modification requests and waivers per policy under the direction of the FVP, Associate Credit Director – SBA to include all program and compliance required documentation, review documents for customers to sign, work with counsel when needed for additional file requirements and documents, send documents for signature and update loan files with current financial documentation.
Enters Line of Credit advance/pay down requests in Salesforce or system to include customer verification and communication with ACD/wire approvers
Ensures Credit File completeness in FCM
Provides excellent customer service
Site Visits/ customer calls as assigned
Assists team with Loan Closings/Modifications and post-closing follow up
Mentors department staff as assigned and can provide supervisorial support to department manager as assigned
Assists with all special projects including Loan Review/Regulator Audit preparation, ongoing due diligence, industry research and portfolio scrubs as needed.
Conducts Archer Testing as appropriate
Ensures compliance with all banking laws, rules, regulations, and prescribed policies/practices/procedures necessary to reduce risk and uphold ethical standards related to and required by one’s duties.