Portfolio Manager

About This Role

This role involves taking primary responsibility for the underwriting process, portfolio administration, and credit quality of an assigned portfolio. The Portfolio Manager partners with lenders and other stakeholders both within the Bank and externally.

Responsibilities

• Support the commercial lending process through underwriting, policy knowledge, credit structuring, and risk assessment in credit request packages for the assigned portfolio
• Ensure packages are complete, accurate, and properly documented
• Work directly with commercial lenders, treasury management, and other team members to effectively grow fees, deposits, and portfolio revenue by presenting financial solutions to customers
• Responsible for the full cycle of the loan request process, from conducting preliminary evaluation to entering and maintaining client information in the commercial database, providing full financial and market analysis, and preparing a recommended term sheet
• Contribute to the Market
• Accompanies lenders during sales calls to assist with account details, relationship building, and product recommendations
• Act as primary liaison with internal and external stakeholders, including various Bank departments, customers, attorneys, and commercial lenders/leadership
• Identify and recommend changes or enhancements to the Bank
• Collaborate with lenders to identify areas of concern pertaining to a loan and in the management of maturing loans
• Responsible for overseeing renewals, document tickler, and covenant tracking of loans
• Monitor loan documentation and financial statement exception reports and follow-up to clear up document exceptions in a timely manner
• Troubleshoot, report, and manage activity on delinquent accounts at various intervals
• Generate and provide requested reports as necessary on the Team
• Participate in team sales calls and attend external events and market activities in a business development role

Requirements

• Bachelor
• Minimum of three (3) years of experience working in Financial Services
• Exposure to Commercial Banking highly desired
• Prior working experience with loan underwriting and credit training
• Ability to successfully complete system training within 90 days of hire
• Ability to analyze financial and project statements, corporate and personal tax returns
• Understanding of basic loan structure processes and regulations associated with lending
• Strong understanding of loan documentation criteria
• Knowledge of United
• Excellent verbal and written communications skills in Spanish or additional language a plus
• Proficiency with Microsoft Office Suite (Word, Excel, PowerPoint)