VP, Portfolio Manager

Enterprise Bank & Trust•Las Vegas, NV

About The Position

Develop and manage new commercial loan accounts and client relationships while enhancing existing customer relationships. The role proactively provides financial solutions to existing and prospective clients, grows the bank’s deposit base through various products, develops sound and profitable business relationships, assesses credit, meets customer needs and expectations, and complies with regulatory requirements. The position represents the bank in the business community, builds a network of prospective customers and manages commercial relationships. It evaluates financial information and credit risk, approves loans within assigned authority, recommends or presents credits outside that authority, and monitors existing loans. The role also supports senior lending officers on larger, more complex credits, tracks market conditions and develops knowledge of commercial products to cross-sell and improve the client experience.

Requirements

Demonstrated skills in commercial credit underwriting, business development, and portfolio management for mid-sized developers and investors.
Five to seven years of related experience and training in commercial banking.
Bachelor’s degree in Finance or Business.
Excellent communication, presentation, and tactful interpersonal skills.
Ability to work in a team and develop and retain client relationships.
Proven ability to cross-sell banking products, including loans, deposits, and treasury management.
Self-motivation, independence, and ownership of work.
Effective time-management and organizational skills.
Attention to detail and accuracy when analyzing financial statements and presenting credit packages for formal approval.
Sound business discretion, good judgment, and problem-solving skills.
Basic knowledge of personal computer hardware and software, including Microsoft Word and Excel.
Working knowledge of banking regulations, compliance standards, market trends, and products.
Strong analytical and decision-making skills based on thoughtful risk assessment.

Responsibilities

Represent the bank in the business community and develop relationships with business owners, C-level executives, centers of influence, and prospective customers.
Maintain at least 15 targeted prospect profiles and execute a call plan to meet individual and team sales objectives.
Manage and service commercial relationships by interviewing applicants and obtaining relevant financial data.
Evaluate financial information and determine whether credit is an acceptable risk.
Approve loans within assigned lending authority and company policies and procedures.
Recommend credits outside assigned lending authority to the next level or present them to the Loan Committee under established procedures.
Monitor existing loans to ensure conformity with terms and conditions.
Participate with and assist senior lending officers on larger, more complex credits.
Monitor market conditions and competitor impact, and recommend ways to maintain a competitive and profitable product line.
Maintain knowledge of commercial loans, cash management, trade services, and deposit products to support cross-selling and enhance the client experience.
Analyze financial statements and related information.
Develop new commercial loan accounts and client relationships, strengthen existing relationships, and grow the bank’s deposit base.
Comply with regulatory requirements while providing financial solutions to clients.