The Portfolio Manager III supports the credit process by facilitating the collection of financial information from clients and prospects, preparing and submitting credit packages for the approval of new loans and for the renewal of existing loans, working with the Relationship Manager(s) to draft term sheets/loan proposals, reviewing loan documents, both internally and attorney prepared, for accuracy prior to loan closing and the day-to-day management of upcoming maturities, past dues and documentation exceptions.

Requirements:

• Bachelor’s Degree in Arts/Sciences (BA/BS) in finance, business, and economics, accounting or related field
• Associate’s Degree (AA) in a business or finance related field and 3 additional years of experience in commercial credit or real estate analysis may be substituted for bachelor’s degree
• 5 years experience in portfolio management and commercial underwriting including structuring and pricing loan transactions
• Experience with underwriting transactions from conception to completion independently
• Must be proficient in evaluating commercial credit risk
• Must be able to work autonomously with minimal oversight from the RM or manager
• Successful web-based credit training through RMA, Omega or similar programs may be required within six months of hiring
• Excellent communication skills
• Proficient in credit underwriting, including cash flow and collateral analysis
• Proven ability to identify sales opportunities within a commercial loan environment
• Intermediate skill level in Microsoft Word, Excel and Outlook
• Ability to work on several loan requests simultaneously
• Knowledge of varying credit structure types: • Term loans • Owner occupied CRE • Line of credit • Letter of credit
• Ability to work on several loan requests simultaneously
• Bank product knowledge
• Knowledge of Asset Based Lending, Government Contract Lending, and/or Special Assets

Preferences:

• Master’s degree in Arts/Sciences (MA/MS) MBA
• 10 years experience in commercial credit underwriting and portfolio management can be substituted for credit training program if knowledge and proficiency can be demonstrated
• Risk Management Association Credit Risk Certification (CRC)
• National Association of Credit Management Certified Credit and Risk Analyst (CCRA)
• Certified Credit Professional (CCP)
• Commercial Banking & Credit Analyst (CBCA)
• Other recognized professional certification in credit analysis
• Formal Credit Training
• Industry knowledge of Asset Based Lending, Government Contract Lending, Merger and Acquisition Financing, Non-Profit, Middle Market, Highly Leveraged Transactions, General C&I, and/or Special Assets

Don't meet all the requirements? We encourage you to still apply if you think you are the right person to join our community. We are always interested connecting with people inspired by our mission and values. If you aren't hired for this position, your resume will remain available for the next year and might be considered for future openings. Note: You can update your resume as often as needed.