About This Role
Managing the commercial loan and deposit portfolio for one or more Relationship Managers is the core of this role, providing quality underwriting, sound portfolio management, and superior client service. The Portfolio Manager analyzes financial information, evaluates creditworthiness, and guides loan requests through the approval process.
Responsibilities
- Analyze financial information to evaluate the creditworthiness of new loan requests, renewal loan requests, and ongoing portfolio management activities through thorough and accurate analyses within the parameters of the Bank’s policies and procedures
- Complete industry research, as needed, supporting existing and new customers to the Bank
- Compile commercial loan packages (non BL and BLE) ensuring completeness and accuracy of information provided, including a written credit memo with sufficient background information on the customer, financial analysis of the Borrower, Guarantors and the proposed transaction, critical analysis of the potential risk to the Bank, proper risk grading and discussion, and a thoughtful recommendation
- Complete, when needed, additional credit analysis through more in-depth tools outside of the traditional spreads and global cash flow (example CRE analysis tool)
- Guide the loan request through the Credit Approval Process and ensure that structure meets the needs of the client and the operating objectives of the Bank
- Assure that large commercial loan relationships are in compliance with State and Federal regulations and Bank policies and procedures
- Monitor and service the large commercial loan portfolios of the supported Commercial Bankers through quality portfolio management work related to centralized covenant testing and tracking, the annual servicing review process, and exception clearing
- Properly grade risk of each loan in the assigned portfolio, per policy
- Recommend adjustments to risk grades as circumstances change or new information becomes available
- Assist Relationship Manager in credit presentation to Credit Administration or other leaders and Committees at the Bank
- Ensure that all required documentation is in file for all loans and treasury management approvals
- Work with the Relationship Manager and the LOA to help clear documentation or compliance deficiencies noted by Loan Operations or other review
- Periodically accompany Relationship Manager on calls with existing and/or prospective customers as requested
- Build and maintain positive working relationships with internal business partners (Loan Operations, Credit Administrators, Loan Operations Area, Credit Leadership, Local Line Leadership and Branch Personnel etc.)
- Undertake special projects related to job function as determined by Credit Administration Leadership
- Continuously update skills by participating in professional training and seek opportunities to improve skills through cross-training offered by the Bank
