Portfolio Specialist

Job Description

Job Description

Description:

TITLE: Portfolio Specialist

DEPARTMENT: 911 – Credit Administration

JOB SUMMARY:

The Portfolio Specialist is responsible for oversight of a commercial loan portfolio including client service, underwriting and closing activities and internal servicing and monitoring. This position will contribute to client relationships by providing consistent high-quality level of service.

ESSENTIAL FUNCTIONS:

• Independently prepare commercial credit presentations, including analysis of appropriate data per credit policy, bank procedures, and regulatory requirements.
• Maintain and apply knowledge for appropriate loan structuring and credit risk mitigation demonstrated through delivery of high-quality credit presentations for commercial lending approvals.
• Monitor compliance with loan agreements by working with Commercial Bankers and clients to ensure timely receipt and review of financials, covenant compliance, and other loan agreement conditions.
• Oversee pre- and post-closing due diligence as required by Loan Policy, the loan approval, and other interests such as SBA, FSA or USDA (select markets).
• Serve as a back-up to the Commercial Bankers as appropriate, including presenting to Loan Committee, handling client service issues, client calling efforts, and coordinating/handling loan closings.
• Independently responsible for internal portfolio management processes including monitoring and performing appropriate action related to past dues and maturing loans, communicating with participant banks, and working with internal and external auditors.
• Manage the portfolio tracking process, including gathering and entering data in the appropriate tracking reports, as well as reviewing and distributing monthly reports.
• Collaborate with Commercial Credit Operations, Administration and Lender staff to provide timely response to internal and external customer inquiries and servicing needs.
• Prepare annual term loan reviews as requested by the Commercial Banker staff.
• Provide leadership, guidance and training to other credit administration personnel as assigned.
• Assist the department with special projects and reporting as assigned.
• Acts as the technical expert on complex loan and lending relationships.
• Build relationships with other bank personnel to facilitate effective working relationships between credit administration and production.
• Provide timely and effective responses to servicing needs.
• Comply with all company or regulatory policies, procedures and requirements applicable to this position.
• Foster and preserve a culture of inclusion.
• Additional duties and responsibilities may be required to support the company’s mission, vision and values.

QUALIFICATIONS:

• High school diploma or equivalent required. Bachelor’s degree in accounting, finance, business administration or related field required.
• Minimum 4 years of credit analysis, commercial, or other relevant banking experience preferred.
• Capability to utilize various banking software and Microsoft 365 products, with a high level of accuracy and attention to detail.
• Strong verbal, written and interpersonal communication skills.
• Capability to manage sensitive information and uphold confidentiality.
• Accountability when working with clients, other team members and stakeholders of the company.
• Capability to work and collaborate with a variety of individuals and groups in a constructive and professional manner.
• Strong analytical and problem-solving capabilities.
• Excellent organizational skills with the ability to organize and manage a variety of projects and tasks in a fast-paced environment.
• Ability to interpret, analyze, and communicate financial information effectively to a wide range of clients and audiences.

WORKING CONDITIONS:

• Duties are performed in a professional office environment.
• Occasional travel may be required.

At QCR Holdings, Inc. we are committed to fostering and preserving a culture of inclusion and strongly believe that it's our differences - of all kinds - that make our company and our communities better and stronger.

QCR Holdings, Inc. is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, disability, age, sexual orientation, gender identity, national origin, veteran status, or other protected class status.

It is the policy of QCR Holdings, Inc. to comply with the Americans with Disabilities Act by providing reasonable accommodations to enable qualified individuals with disabilities to access the job application and interview process, to perform the essential functions of the job, and to receive equal access to other benefits and privileges of employment.