PORTFOLIO MANAGER

Commercial Banking Relationship Manager

In line with established policies and procedures, is responsible for effectively managing and servicing a portfolio of smaller to midsize Commercial Banking relationships.

Essential duties and responsibilities include the following, other duties may be assigned:

1. Portfolio Monitoring: Monitor the assigned Commercial Banker(s) loan portfolio to ensure accurate and timely completion/review of loan covenant tests, borrowing base certificates, and complete loan file comments for relationships >$500,000 in exposure. Request and review financial tickler documentation received from the customer and completion of cash flow analysis on an appropriate basis for each customer (monthly, quarterly, semi-annually or annual). Alert the Commercial Banker of any deterioration with the customer and assist in determining appropriate action steps if necessary, risk rating change, etc.
2. Regularly monitors the Past Due Loan Report to ensure customers' repayment is occurring as expected on the assigned loan portfolio. Review overdraft activity of assigned customers.
3. New Underwriting: Accurate and timely completion of Underwriting for new money requests for relationships >$500,000 in exposure. Work closely with the Commercial Banker and customer/prospect to meet the expected timeline.
4. Loan Renewals: Accurate and timely completion of Underwriting of renewal loan requests for relationships >$500,000 in exposure. Work closely with the Commercial Banker and customer to meet the expected timeline and ensure the renewal is completed prior to maturity.
5. Annual Reviews: Accurate and timely completion of Underwriting of Annual Reviews for relationships >$500,000 in exposure. Work closely with the Commercial Banker and customer to meet the Annual Review assigned date.
6. Problem Loan Reports: Accurate and timely completion of Problem Loan Reports. Ensure appropriate cash flow analysis is completed and included with the PLR and appropriate collateral review documents are completed (FAS 114, IPV's, etc.). Work closely with the Commercial Banker and customer to meet the PLR deadline.
7. Order applicable loan related items necessary to ensure a smooth and timely loan closing. This includes such things as, but not limited to: appraisals, credit bureau reports, background checks, flood report, title work, environmental, UCC search, and completion of IPV's.
8. Loan Documentation Review: Review of loan documents to ensure accuracy.
9. Ensure workflow is up-to-date and accurate.
10. Jointly responsible with the Commercial Banker and Commercial Banking Associate for effective client interaction and communication, to ensure a positive client experience, and high customer satisfaction.
11. Partners with team CBA to obtain and review all necessary collateral verification documentation (Title work, Environmental Assessments, Appraisals, etc.) and conduct pre-close loan reviews of documentation; to minimize compliance, regulatory, and lien perfection exceptions.
12. Maintains a high level of bank compliance and regulatory knowledge. Trains and educates self in new areas of job knowledge through formal education, self-study, and reading of trade journals. Maintains the privacy and security control of all customer records. Reports suspicious activity or lax security measures as appropriate.
13. Performs other duties as assigned

The above information on this description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities and qualifications required of employees assigned to this job.

Qualifications To perform this position successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions:

1. Financial statement analysis background with proven credit skills including analysis, documentation, and structure
2. Possess a lending philosophy consistent with the Bank
3. Credit Risk Management
4. Solid oral and written communication skills
5. Strong customer service and interpersonal skills
6. PC skills including word processing and spreadsheets
7. Maintains a high level of knowledge of bank operations, products and services, and regulatory and statutory requirements
8. Leadership abilities to provide guidance to subordinates
9. Ability to operate standard office equipment
10. Strong attention to detail
11. Must maintain a high level of knowledge of legal and regulatory banking compliance in order to properly complete the duties of position.

Education/Experience Bachelor's degree (B. A.) in finance or accounting from four-year college or university; or five years related experience and/or training; or equivalent combination of education and experience.