Portfolio Manager

Job Summary

The Portfolio Relationship Manager owns primary responsibility for the underwriting quality, portfolio administration, the credit quality of the assigned portfolio, and working directly with Account officers.

Essential Job Functions

• Responsible for the credit and monitoring of portfolio risks
• Working directly with account officers and team members to effectively grow fees, deposits, and portfolio revenue by presenting financial solutions to customers.
• Conducts preliminary evaluation and underwriting of loan proposals terms sheets.
• Contribute to the Team’s overall meeting and / or exceeding the assigned volume / production goals
• Identify and recommend changes and enhancements to the Bank’s lending policies and procedures to best serve the current market needs
• Responsible for the full cycle of loan requests process. Provide financial analysis, obtain data to prepare a term sheet, and write proposals to expand the lending business.
• Requests all third party appraisals, environmental reports, and ensures all are within compliance.
• Identify areas of concern pertaining to a loan and discuss with Account officers
• Primary liaison with the Credit Department on loans submitted, prepare risk rating change proposal and facilitate the loan approval.
• Primary contact for coordinating information between client and internal departments in the loan process.
• Responsible for communication and finalizing loan closing.
• Responsible for overseeing renewals, document tickler and covenant tracking of loans.
• Monitor loan documentation exception reports and follow-up to clear up document exceptions in a timely manner.
• Monitor financial statement exception reports and follow-up to clear up financial statement exceptions in a timely manner.
• Works closely with Account Officers to manage maturing and re-price loans and identify new business opportunities.
• Troubleshoot, report, and manage activity on delinquent accounts at the various intervals
• Generate and provide requested reports as necessary on Team’s loan portfolio
• Participate in team sales calls and attend external events and activities in a business development role.

Qualifications / Requirements