Commercial Portfolio Manager

Commercial Portfolio Manager – Lebanon, TN

A growing local Community Bank is expanding and seeking a seasoned Portfolio Manager for Lebanon, TN, and the surrounding market.

The Commercial Lending Portfolio Manager is responsible for evaluating and preparing commercial loan applications and recommending approval/disapproval of complex commercial loans promptly while adhering to bank standards and loan policies. The Portfolio Manager will work with the senior manager or Commercial Lenders to meet client expectations.

Duties and Responsibilities:

• The Commercial Lending Portfolio Manager will learn to underwrite loan requests, which includes new loans, amendments, extensions, modifications, and renewals.
• Responsible for performing and reviewing financial analyses and producing a cash flow worksheet.
• Analyze financial statements, industry and market data, and prepare a credit approval package that clearly outlines and expresses an independent opinion on key considerations in the credit decision.
• Work with Lenders in evaluating the general contractor and property management company, if applicable.
• Work with Commercial Lenders in reviewing borrowing certificates to assess compliance.
• Pull credit reports.
• Work with lender to produce term sheets and commitment letters.
• Review draw requests and coordinate property inspection and certification of draw by an independent inspector
• Track and resolve document exceptions related to closing and all ongoing exceptions.
• Test performance against original underwriting and covenant requirements upon receipt of required reporting information
• Work with lender to enter information into nCino and submit loan packages for approval.
• Request financial spreads, global cash flow analysis, appraisals, evaluations, and environmental information.
• Work with Commercial Lenders in obtaining and reviewing construction loan documentation in relation to Borrower draw requests. Gather BBCs, Leases, GCs, etc.
• Review all loan documents prior to and post-closing to ensure accuracy and completion in accordance with loan approval.
• Perform annual, quarterly, or more frequent reviews to assess project performance via covenant testing, if applicable, and risks associated with the project, borrower, and guarantors.
• Remain informed of current economic and legislative conditions.
• Serve in civic, community, and industry-related activities, as needed.
• Remain current on FDIC, OCC, and State Banking Regulations
• Maintains a thorough knowledge of Bank products, services, policies, procedures, and appropriate regulatory issues as related to daily job functions, including but not limited to: Bank Secrecy Act; Privacy Act; Fair Lending Act; Regulation E, etc. Completes required compliance training and adheres to the Bank's standard of conduct.
• Participates in the bank's High-Performance Rewards Connections program.
• Makes referrals to the Mortgage Center and Wealth Management.
• Performs other duties as requested.

Position Requirements:

• Bachelor's degree in Business Administration, Finance, Accounting, or a closely related field
• Minimum 5 years of banking experience with at least 2 years' credit analysis experience and working with Commercial Underwriters and Lenders or a Master's degree in Business Administration, Finance, Accounting or a closely related field
• Experience assisting Commercial Lenders with high dollar credit amounts
• Extensive knowledge of commercial and retail lending services, documentation, underwriting, regulatory guidelines, financial ratios, credit analysis, and lending duties is required
• Able to interpret and analyze personal and business tax returns/financial statements
• Ability to calculate complicated financial ratios and apply accordingly
• Excellent communication skills both orally and in writing; read, analyze, and interpret general business periodicals, professional journals, technical procedures or governmental regulations
• Ability to write reports and business correspondence
• General computer and typing experience with Microsoft Office Suite, including Excel, Word, and Outlook
• Must possess attention to detail
• Work outside of regular business hours, as deemed necessary
• Ability to handle multiple tasks with daily deadlines.

All qualified applicants will receive consideration without regard to race, age, color, sex (including pregnancy), religion, national origin, disability, sexual orientation, gender identity, marital status, military status, genetic information, or any other status protected by applicable laws or regulations. GPAC (Growing People and Companies) is an award-winning search firm specializing in placing quality professionals within multiple industries across the United States since 1990. We are extremely competitive, client-focused and realize that our value is in our ability to deliver the right solutions at the right time.