CRE Portfolio Manager

SUMMARY

With direction and supervision from department head, provides direct support to Relationship Manager(s) to develop and analyze all relevant credit information pertaining to a wide variety of commercial real estate loans. Prepares, or assists in the preparation of Credit Authorizations in accordance with the Bank's policies and procedures for presentation to senior credit personnel and / or credit committees. Prepares detailed collateral analysis and coordinates appraisal and third party analysis. Spreads and analyzes financial statement information to determine financial capacity of borrowers. Prepares thorough analysis of business and / or personal financial statements, and presents facts and is expected to provide personal analytical opinions, as appropriate, concerning creditworthiness of existing borrowers and prospects.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Interacts directly with relationship managers, loan officers and customers / prospects regarding a wide range of loans.
• Maintains an assigned / delegate loan portfolio as the primary relationship officer.
• Must prepare accurate financial statement spreadsheets and debt service analysis derived from business and personal accurate Credit Authorizations in conjunction with loan officers, and presents a complete and thorough analysis financial statements and tax returns.
• Prepares of existing and potential borrowers.
• Recognize and act on customer prospects; cross sell opportunities with existing customers.
• Make proper referral of loan opportunities to lending personnel.
• Interacts independently and without direction with customers / prospects to request financial information to complete spreading presentations and other financial analysis.
• Reviews loan agreement covenants for verification of the borrower's compliance thereto.
• Accurately prepares financial projections as required.
• Maintains an accurate, up-to-date tracking log of all activity and credit arrangements in process.
• Collects industry information relevant to existing and proposed borrowers using internal & external sources.
• Consults with relationship manager(s), loan officer(s), the Chief Lending Officer, and other Credit Administration officers on credit structure, pricing, collateral and other credit consideration issues.
• Works with clients in regards to past due payments / loan maturities.
• Conducts trade and reference checks on customers / prospects.
• Reviews documentation to ensure compliance with Bank policy and procedures.

ADDITIONAL RESPONSIBILITIES

SUPERVISORY RESPONSIBILITIES

This position does not have supervisory responsibilities

MINIMUM QUALIFICATIONS

COMPETENCIES :

PHYSICAL DEMANDS : In general, the following physical demands are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to allow differently-abled individuals to perform the essential functions of the job.

WORK ENVIRONMENT : In general, the following conditions of the work environment are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to allow differently-abled individuals to perform the essential functions of the job within the environment.

The work space is clean, orderly, properly lighted and ventilated with the proper safety compliance

Noise levels are considered moderate

Sunwest Bank Is an Equal Opportunity Employer

Sunwest Bank works with staff members and customers without regard to race, ancestry, national origin, sex, marital status, age, religion, medical condition, handicap, disability or veteran status and to assist the Bank in maintaining its Affirmative Action Program.

Compliance with Bank Secrecy Act laws and regulations is considered an extremely serious matter, and it is intended that Sunwest Bank, through the purposeful efforts of its employees and officers, are expected to make every resolute attempt to conform to its Bank Secrecy Act Program and Procedures. Failure to comply will be reflected in their performance review as well as in any bonus compensation programs in which they may participate.

Attend and complete all required classroom, computer-based, web-based and seminar training. It is the individual responsibility of every employee to maintain a current awareness and understanding of and to fully comply with Sunwest Bank's "Code of Ethics and Conduct." Each employee is also expected to maintain an awareness of the laws, regulations, internal policies and procedures that are appropriate for his / her position

Note : The preceding job description has been designed to indicate the general nature and level and work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job. All job descriptions can be amended without notice as warranted by business necessity.