Portfolio Manager

Description

Position Summary


The Portfolio Manager provides analytical and portfolio management support to the Bank's lending team. This position assists lenders with financial analysis, credit underwriting, loan monitoring, reporting, regulatory compliance, and collection activities. The Portfolio Manager may be delegated lending authority within Board-approved limits and is responsible for evaluating credit requests, approving loans within assigned authority levels, and exercising sound judgment in accordance with Bank policy and applicable regulations.


The Portfolio Manager works closely with lenders and management to support accurate credit analysis, timely reporting, adherence to Bank policies, and sound administration of commercial lending and depository relationships.


Responsible for originating, underwriting, approving (within delegated authority), and managing a range of consumer and small business loans including consumer real estate loans, lot loans, small business loans, and HELOCs, with an expected minimum loan portfolio of $750,000+ and minimum deposits of $500,000.


This is an individual contributor position with no supervisory responsibilities.


Essential Functions


The following functions are essential to the position and must be performed with or without reasonable accommodation:

• Assist lenders with the preparation of loan file comments and supporting credit documentation.

• Monitor loan covenants, required financial statement reporting, collateral reporting, and other requirements established by Bank policy or loan documentation.

• Analyze financial and credit information for prospective and existing customers, including credit history, repayment capacity, cash flow, leverage, liquidity, and overall creditworthiness.

• Spread and analyze financial statements for existing and prospective customers.

• Complete Lender portions of credit approval presentations and prepare written analyses of the loan request and borrower.

• Assist with preparation for credit presentations to the appropriate approval authority, including approval matrices and credit committees.

• Make recommendations regarding loan structure or presentation, as needed.

• Exercise delegated lending authority to approve loans and credit relationships within established limits, applying independent judgment and sound credit principles in assessing risk, loan structure, collateral, and repayment capacity.

• Recommend appropriate credit grades and risk ratings based on available financial information and the overall risk assessment.

• Prepare and analyze periodic reports requested by Senior Management, Chief Credit Officer, or the Chief Banking Officer, including portfolio trends, loan policy exceptions, risk ratings, collateral codes, and other requested information.

• Monitor loan repayment activity and take appropriate action to assist with the collection of past-due accounts, discussing concerns with the supervisor as needed.

• Maintain current knowledge of applicable deposit and credit regulations and compliance requirements; communicate relevant information to local and Bank-wide teams and assist in ensuring proper procedures are followed.

• Maintain a general understanding of the Bank's products and services to identify customer needs and refer customers to the appropriate department or contact person.

• Provide support and sales reporting for the Bank's sales efforts, including promoting Bank products and services when opportunities arise.

• Apply credit underwriting, financial analysis, loan structuring, and communication skills when supporting the administration of lending products and the negotiation of financial terms.

• Perform duties promptly and accurately while maintaining a high level of customer service.

• Promote the Bank and its lending and depository services within the community and help identify and serve community financial needs through participation in appropriate community activities.

• Complete other job-related responsibilities and special assignments that are consistent with the purpose and level of the position.

Minimum Qualifications

• Bachelor's degree in Accounting, Finance, Business Administration, or a related field.

• Minimum of five years of experience in a financial institution, loan office, credit administration, lending support, or a related banking environment.

• Demonstrated experience in consumer and/or commercial credit underwriting, portfolio management, credit analysis, or related lending functions preferred.

• Proficiency with Microsoft Office products, including Word and Excel.

Knowledge, Skills, and Abilities

• Knowledge of commercial and consumer credit underwriting, financial statement analysis, cash flow analysis, loan structuring, credit grading, portfolio monitoring, and applicable banking regulations.

• Skill in analyzing financial information, identifying credit risks, assessing repayment capacity, and preparing clear written credit analyses and recommendations.

• Ability to exercise sound judgment and discretion when evaluating credit risk, structuring lending relationships, and recommending credit decisions.

• Ability to interpret and apply Bank policies, loan requirements, regulatory guidance, and internal approval standards.

• Strong organizational, analytical, and problem-solving skills with the ability to manage multiple priorities and meet deadlines.

• Strong verbal, written, nonverbal, and interpersonal communication skills.

• Ability to communicate effectively with customers, Bankers, management, approval authorities, and other departments regarding credit, lending, and deposit-related matters.

• Ability to organize work, establish priorities, and perform responsibilities independently with minimal supervision.

• Ability to work collaboratively with Bankers, management, customers, and other departments.

• Ability to use sound judgment, discretion, tact, and professionalism when addressing customer, credit, operational, and confidential matters.

• Proficiency with computers, banking systems, standard office software, and electronic communication tools.

• Ability to perform duties accurately and maintain composure under time constraints, interruptions, and competing demands.

• Ability to maintain reliable attendance, professional conduct, and a professional appearance consistent with Bank standards.

Physical Requirements


The employee must be able to perform the following physical requirements for extended periods, with or without reasonable accommodation:

• Move to and around office work areas and equipment.

• Sit, stand, bend, stoop, reach, and operate a keyboard and ten-key number pad.

• View computer monitors and perform detailed work requiring close vision.

• Communicate in person and by telephone and electronic communication.

• Move or lift files, office supplies, or other materials weighing up to 25 pounds.

Work Environment


Work is primarily performed in a branch or office environment with limited privacy, frequent interaction with employees and customers, background noise, and exposure to standard office and banking equipment. The position may require opening, closing, schedule flexibility, temporary coverage, and travel to other bank locations.


Disclaimer


This job description is intended to describe the general nature and level of work performed by employees assigned to this position. It is not intended to be a complete list of every duty, responsibility, or qualification. Responsibilities may change based on business needs, and employees may be assigned other job-related duties consistent with the position. Nothing in this job description alters the at-will employment relationship. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions of the position.


bankFNBD is a VEVRAA federal contractor and is proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, gender, gender identity or expression, sexual orientation, national origin, marital status, genetics, disability, age, veteran status or any legally protected characteristics or activities.