Portfolio Manager

The Portfolio Manager is responsible for supporting a portfolio of business and servicing prospective and current clients to produce a variety of commercial loans. Key responsibilities include working with Commercial Lender to underwrite, structure and document quality loans per bank policy, and to assist Commercial Lender in the day-to-day management of the commercial loan portfolio.

Primary Responsibilities / Duties

• Support the growth and development of the assigned commercial lending loan portfolio by effectively managing a client portfolio as assigned by Commercial Lender
• Effectively monitor portfolio for revenue opportunities and / or loan exposures
• Assist in the sales proposal process, including accompanying the lenders on customer and prospect calls and various other sales / customer-oriented projects
• Establish and maintain relationships with current and prospective clients. Leverage customer knowledge to proactively identify and recommend opportunities to cross-sell additional loan and non-credit products to clients
• Work with clients to modify and / or restructure existing loans as needed
• Help resolve credit problems, delinquent payment issues, and other related affairs
• Review current account status, to include but not limited to, Past Due accounts and Notes Matured. Make appropriate recommendations for these accounts
• Monitor portfolio loan exposure including review of monthly maturity reports, daily overdraft activity reports and weekly past dues reports. Reports deteriorating credit situations in a timely manner
• Participate in evaluating risk rating and make revision recommendations
• Prepare lending activity reports for management and loan committee as needed
• Attending new client meetings as requested with loan officer.
• Gathering initial information on new loan requests, such as entity documents, customer identification, contact information, financials, tax returns and collateral descriptions.
• Writing detailed credit memos for new loan requests and renewals.
• Working with credit analyst to complete the loan proposal and facilitate the approval process through loan officer, loan committee, or board loan committee.
• Scheduling loan closings and attending in the loan officer's place as needed.
• Contacting current customers to clear exceptions after loans are booked.
• Work coming due loans 45-60 days in advance.
• Other responsibilities and duties as assigned.

Required Skills / Qualifications

Desired Skills / Qualifications