About This Role
This Portfolio Manager role involves making and servicing a wide variety of loans, including commercial real estate loans and lines of credit, for important customers. You will be responsible for identifying, soliciting, and retaining commercial business and real estate relationships, working independently or with management to grow these accounts. The position requires analyzing customer financial needs, negotiating with prospects, and presenting credit and product requests internally.
Responsibilities
- Comply with and stay abreast of all applicable policies, procedures, federal, and state laws
- Exercise discretion and independent judgment in presenting complex solutions to existing customers and prospects
- Maintain a complete understanding of complex and multifaceted financial products and services
- Approve loans within specified limits, and refer loan applications outside those limits to management for approval
- Reject loans by explaining deficiencies to customers
- Participate in all Department functions necessary to contribute to the achievement of Department earnings and growth objectives
- Actively participate in various community and civic activities
- Contribute significantly to meeting or exceeding the Department's budgetary goals and ensure that deposit, loan, and net income goals are met
- Work independently, with or through the Manager, to ensure that all bank operating and lending policies and procedures are properly and promptly implemented and followed
- Be compliant with all CBB policies and procedures to ensure a passing or better Audit
- Work independently, with or through the manager, to ensure the Bank's CRA policies and objectives are met for its assigned service area
- Work independently, with or through Management of the Department's sales and service efforts, to ensure retention and growth of existing relationships
- Manage personal sales efforts that meet or exceed Department goals with a specific production goal based on experience
- Provide, present, and promote The Citizens Experience to all external and internal customers
- Perform other duties as assigned
Requirements
- Bachelor's degree from a four-year college or university; or a minimum of seven years of related experience and/or training; or an equivalent combination of education and experience
- Ability to read and comprehend simple instructions, short correspondence, and memos
- Ability to write simple correspondence
- Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees
- Ability to apply basic math concepts to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals using a PC or calculator
