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Portfolio Manager

Portfolio Manager

First Security Bank BozemanBozeman, MT, United States
Hace 19 horas
Tipo de contrato
  • A tiempo completo
  • A tiempo parcial
Descripción del trabajo

About The Role

Responsible for providing competent credit analysis and portfolio management for commercial lending activities. Oversee credit workflows and processes necessary for the team to achieve optimal levels of production while maintaining excellent credit quality in the portfolio. Work directly with lenders and clients on requests.

DUTIES AND RESPONSIBILITIES :

  • Perform commercial loan underwriting tasks such as analyze business & personal tax returns and financial statements, identify trends and concerns and work closely with assigned commercial team and customers to understand & mitigate credit issues
  • Assess credit worthiness of individuals, companies, and institutions
  • Assist Commercial Relationship Managers with the collection, preparation, pre-underwriting analysis and submission of credit authorizations
  • Assist Commercial Relationship Managers in the collection and review of regulatory compliance items. Must comply with applicable laws and regulations, including by not limited to Bank Secrecy Act, The Patriot Act, Office of Foreign Assets Control, CRA, Adverse Action and other regulatory compliance requirements
  • Maintain optimal portfolio quality by monitoring and ensuring

Borrowing Base Certificates are timely, accurate and filed

  • Lines secured with A / R & inventory assets are not overdrawn
  • Financial reporting requirements are timely, accurate and filed
  • Loan covenants are monitored in a manner that is timely and accurate
  • Portfolio delinquency is minimized
  • Maturing loans are tracked and properly addressed prior to maturity
  • Annual reviews and ADC reviews are completed in a manner that is timely and accurate
  • Graded credits have accurate and updated Problem Loan Reports
  • Provide informed professional opinions to bank officers regarding applicants financial / credit status, suggest loan structures, and support the lending process
  • Adherence and knowledge of loan policy to be used while underwriting and discussing potential loan requests
  • Undertakes risk analysis using regional and industry-specific data and gauges market trends
  • Periodically accompanies Commercial Relationship Managers on calls with existing and / or prospective customers as requested
  • Clearly and professionally communicates with lending teams and customers
  • Responsible for maintaining organized and current digital credit files. This includes updated personal and business tax returns and financial statements
  • Regular and predictable attendance to accomplish job duties and provide in-person contact with customers
  • Other duties as assigned
  • Employees are required to actively use the service pledge in all customer encounters.

    Service Pledge : Smile

    Eye Contact

    Refer to Customer by name

    Viable Options

    Instant Acknowledgement

    Customers Always Come First

    End with "Thank you"

    About You

    QUALIFICATIONS :

  • Bachelor's degree in accounting, finance, business administration or related field, or equivalent credit analyst knowledge gained through a combination of education and experience
  • One to three years of prior experience in commercial banking, or related field, preferably in credit analysis
  • Prior customer service experience preferred
  • KNOWLEDGE, SKILL, ABILITY :

  • Basic understanding of financial data such as cash flow, balance sheet, income statement, and collateral valuation
  • Ability to calculate figures and amounts such as percentages and ability to apply concepts of basic math
  • Analytical skills to assess and evaluate areas of responsibility including determination of loan risk involved and recommendation of credit limitations
  • Proven analytical and problem-solving abilities
  • Ability to process detailed information with accuracy and efficiency
  • Assignments involve work of a confidential nature, necessitating exposure to sensitive information and contacts requiring discretion
  • A significant level of trust and diplomacy is required to be an effective subject matter expert in the position
  • Knowledge and proficiency with various computer programs; including but not limited to Microsoft Word and Excel, nCino, Jack Henry, or other software commonly used in the banking industry
  • Requires excellent verbal and written communication skills with the ability to communicate detailed information in clear, easy to understand manner
  • Demonstrated strong organizational skills and ability to both prioritize and multi-task while adapting to changing workflow and personalities
  • Must possess ability to prepare written reports and present formal presentations
  • WORK ENVIRONMENT : Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise level.

    PHYSICAL DEMANDS : The physical demands described here 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 enable individuals with disabilities to perform the essential functions.

    While performing the duties of this job, the employee is often required to : sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to : stand; walk; and lift or reach with hands and arms. The employee may also be required to :

    Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance. Must be capable of climbing / descending stairs in an emergency situation.

    Specific lifting abilities required by this job include : The employee is constantly required to stand and walk. Exerting up to 25 pounds of force occasionally, and / or up to 10 pounds of force frequently, and / or a negligible amount of force constantly to move objects. If the use of arm and / or leg controls requires exertion of forces greater than that for sedentary work and the worker sits most of the time, the job is rated for light work.

    Specific vision abilities required by this job include : The worker is required to have close visual acuity to perform an activity such as : preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and / or operation / inspection of machines and / or using measurement devices at distances close to the eyes.

    What We Offer

    COMPENSATION & BENEFITS : Starting salary is dependent upon relevant experience and may vary based on the geographic location of the position. We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance. Coverage is available to employees and their eligible dependents in accordance with our written plan documents. You may also be eligible for a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a retirement savings plan, including 401(k) and Profit-Sharing plans, short and long-term disability benefits, education and training benefits, and discounts on banking products and services. We also offer a generous Paid Time Off (PTO) plan and paid holidays. PTO accruals begin at .0745 per hour worked for our part time employees up to a maximum accrual of 240 hours per year for certain Full-Time employees. PTO accruals are dependent on position, status (Full time or Part time), and years of experience in accordance with our PTO policy. Most Full-Time employees are also offered 6 paid holidays and Part Time employees are offered pro-rated paid holidays. In addition, employees in Utah and Nevada may be eligible for pay for certain state recognized holidays. Visit our website for more details

    We are an Equal Opportunity Employer and qualified applicants, or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, protected veteran status, or any other category protected by applicable federal, state, or local laws.

    Glacier Bancorp, Inc. does not sponsor applicants for work visas. All applicants must be legally authorized to work in the US.

    No Recruiters or unsolicited agency referrals please.

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