Portfolio Manager III

About The Role Altabank, Division of Glacier Bank, is looking for a Full‑time Portfolio Manager III for our American Fork or North Logan RE branch. Role: Responsible for providing competent credit analysis and portfolio management for commercial lending activities. Oversee credit workflows and processes necessary for the team to achieve optimal levels of production while maintaining excellent credit quality in the portfolio. PM’s work directly with clients on requests and portfolio management duties. Duties and Responsibilities Oversee a complex loan portfolio over $92mm in loans outstanding Maintain optimal portfolio quality by monitoring and ensuring: Borrowing Base Certificates are timely, accurate and filed Lines secured with A/R & inventory assets are not overdrawn Financial reporting requirements are timely, accurate and filed Loan covenants are monitored in a manner that is timely and accurate Portfolio delinquency is minimized Maturing loans are tracked and properly addressed prior to maturity Annual reviews and ADC reviews are completed in a manner that is timely and accurate Graded credits have accurate and updated Problem Loan Reports Perform commercial loan underwriting tasks such as: analyze business & personal tax returns and financial statements, identify trends and concerns and work closely with assigned commercial team and customers to understand & mitigate credit issues Assess credit worthiness of individuals, companies, and institutions Undertake risk analysis using regional and industry‑specific data and gauge market trends Provide informed professional opinions to bank officers regarding applicant financial/credit status, suggest loan structures, and support the lending process Clearly and professionally communicate with lending teams and customers and respond to communication within one business day Adhere and possess deep knowledge of loan policy to be used while underwriting and discussing potential loan requests Complete preflight memos to be presented to Senior Credit Risk Officers for new loan requests greater than $5mm Complete credit memos to be presented for approval for both new and renewing loans within 15 days of receiving a complete application Complete quality assurance reviews Determine value of collateral; review independent appraisal reports and other collateral documents that secure the bank’s lien position Lead projects that will consist primarily of credit administration issues and may relate to possible changes in policies and procedures, examiner or auditor recommendations, peer group analysis, market studies, compliance and regulations, software upgrades, monitoring of industry or borrower concentrations, risk assessments, and feasibility studies for efficiency gains such as outsourcing, in‑sourcing, centralization of duties/staff, etc. Must comply with applicable laws and regulations, including but not limited to the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control, in addition to all company policies. Complete required bank training courses within assigned time frame(s). It is the individual learner’s responsibility to ensure that they understand the information given to them in each training. If the learner does not understand the information given they need to reach out to their supervisor for further clarification or additional training. Adhere to Altabank Core Values. Keep management appropriately informed of area activities and of any significant problems. Participate in Community Service and Bank sponsored activities that serve and support the mission and values of the Altabank. Provide superior internal and external customer service: must demonstrate self‑governance, courtesy and respect toward external customers as well as internal customers (all organization personnel). Represent Altabank in a professional manner which includes a professional image, confidentiality, a positive “can‑do” attitude, good attendance, punctuality, flexibility and adaptability in meeting bank and customer needs. Keep work area tidy and maintain customer privacy. Attend and participate in meetings as required. Regular and predictable attendance in order to accomplish, among other things, in‑person contact with customers. Additional duties as requested or assigned. Schedule: M‑F 8‑5 About You Requirements Two to five years of similar or related experience. A college degree or equivalent combination of education and experience. Bachelor’s degree in accounting, finance, economics, business administration, or a related field strongly preferred. Knowledge and Skills A significant level of trust and diplomacy is required to be an effective subject matter expert in the position. In-depth dialogues, conversations, and explanations with customers, direct and indirect reports and outside vendors of a sensitive and/or highly confidential nature is a normal part of the day‑to‑day experience. Communications can involve motivating, influencing, education, or advising others on matters of significance. Expert use of Microsoft Word and Excel is required. Database experience preferred. Must possess ability to prepare written reports and present formal presentations. Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms. Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6‑8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance. Must be capable of climbing / descending stairs in an emergency situation. Specific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes. Compensation & Benefits Starting salary is dependent upon relevant experience and may vary based on the geographic location of the position. We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance. Coverage is available to employees and their eligible dependents in accordance with our written plan documents. Employees may also be eligible for a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a retirement savings plan, including 401(k) and Profit‑Sharing plans, short and long‑term disability benefits, education and training benefits, and discounts on banking products and services. We also offer a generous Paid Time Off (PTO) plan and paid holidays. PTO accruals begin at .0745 per hour worked for our part‑time employees up to a maximum accrual of 240 hours per year for certain full‑time employees. PTO accruals are dependent on position, status (full time or part time), and years of experience in accordance with our PTO policy. Most full‑time employees are also offered 6 paid holidays and part‑time employees are offered pro‑rated paid holidays. In addition, employees in Utah and Nevada may be eligible for pay for certain state‑recognized holidays. Visit our website for more details. We are an Equal Opportunity Employer and qualified applicants, or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, protected veteran status, or any other category protected by applicable federal, state, or local laws. Glacier Bancorp, Inc. does not sponsor applicants for work visas. All applicants must be legally authorized to work in the US. No Recruiters or unsolicited agency referrals please. #J-18808-Ljbffr Foothills Bank