VP & Senior Portfolio Manager - Credit Products
About The Position
Supports Commercial Bankers by serving as a liaison between lending sales personnel, commercial operations, and service support groups. The role provides customer service and administrative follow-up for commercial loan and deposit relationships, and helps coordinate commercial loan underwriting, processing, documentation, closing, and servicing activities. The position requires a professional demeanor, clear written and oral communication, strong customer service, confidentiality, and the ability to coordinate multiple tasks. The employee is expected to learn and follow the Bank’s policies, procedures, and applicable regulations; complete assigned compliance training; and learn and promote the Bank’s products and services. A high school diploma or GED is required. A bachelor’s degree in Business Administration, at least three years of relevant banking experience, commercial lending systems experience, and loan documentation experience are preferred.
Requirements
- High school diploma or GED.
- Ability to provide a level of customer service that differentiates the Bank from competitors.
- Professional demeanor in appearance, interpersonal relations, work ethic, and attitude.
- Clear, concise, effective written and oral communication skills for communicating with Bank employees and customers.
- Ability to coordinate and/or manage multiple tasks in various stages.
- Good time-management skills.
- Ability to work with others in a team environment and under occasional time constraints.
- Ability to maintain confidentiality.
- Ability to utilize Microsoft Office software.
- Ability to learn commercial banking software.
- Willingness to learn, understand, and promote Bank products and services.
Nice To Haves
- Bachelor’s degree in Business Administration.
- Minimum of three years of relevant banking experience.
- Experience with commercial lending systems and loan documentation.
- Solid understanding of commercial lending, documentation, and servicing, including recognizing missing or needed information.
- Previous formal credit training or proven strong credit analysis skills.
- Ability to read, analyze, and interpret commercial construction loan documents, including notes, mortgages, and construction loan agreements.
- Experience analyzing commercial clients’ financial statements to determine what is needed.
- Experience reviewing covenants to assess whether a loan can meet them.
- Experience with commercial draw agreements and making independent decisions about draw amounts, including explaining decisions to clients.
- Experience working independently with credit and underwriting personnel.
Responsibilities
- Practice the standards of the Bank’s Mission, Vision, and Pledge.
- Understand the commercial loan products and services offered by the Bank.
- Maintain working knowledge of the Bank’s loan processing system and credit approval process.
- Coordinate underwriting and processing of new loan requests and modifications with Credit Risk Management.
- Engage, coordinate, and review third-party reports, including appraisals, environmental reports, and inspections.
- Attend joint meetings with Commercial Bankers, as applicable.
- Input information into the lending system with and on behalf of the Commercial Banker.
- Facilitate submission of credit requests into commercial processing software and use checklists to confirm information is collected and due diligence is complete.
- Assist the Commercial Banker with commercial loan closings, including communicating with the Commercial Administration Support Analyst and coordinating outside service providers such as attorneys, accountants, insurance providers, and government agencies.
- Under the Commercial Banker’s guidance, help collect and maintain updated financial and other information required for new loans and modifications.
- Respond to questions from customers and internal departments in a timely manner.
- Handle customer situations and problems professionally and confidentially.
- Attend sales or closing meetings with the Commercial Banker.
- Review checklists and loan closing documents to support loan funding.
- Prepare modifications for material client loan changes.
- Assist the Commercial Banker in addressing and resolving exception items.
- Perform other duties as assigned.
- Acquire and maintain proficiency in Bank policies and procedures, comply with applicable laws and regulations, and complete assigned compliance training.
- Coordinate and/or manage multiple tasks at various stages.
- Learn, understand, and promote Bank products and services.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
Education Level
High school or GED
