Commercial Portfolio Manager II

Hudson City Bank   •  

Baltimore, MD

Industry: Accounting, Finance & Insurance

  •  

5 - 7 years

Posted 97 days ago

This job is no longer available.

Responsibilities:

• Liaison between M&T Business Capital Relationship Managers throughout the M&T footprint and the Credit Division (Loan Analysis) with efforts coordinated by the Group Manager for facilitating credit needs of customers, whether through new requests, modifications or annual reviews / renewals.  Includes documenting and tracking of relevant information, reports and memos to ensure necessary credit approvals are obtained, documented and adhered to from fulfillment through closing and maintenance.

• In some cases, attend client / prospect calls with RMs in order to gain a thorough understanding of the client / prospect and their business in order to effectively assist in annual reviews, renewals and prospect conversions. To facilitate travel will be limited and within the M&T footprint.

• Support underwriting efforts by completing due diligence on prospects or customers as may be required and coordinate such work with Credit Division and Relationship Managers.

• Analyze financial information under direction of Relationship Manager or Group Manager.  Assists in preparing cash flow and collateral schedules, covenant sensitivity calculations, financial models and guarantor statement analysis.

• Monitor credit performance of customer portfolios and alert personnel to changes that may require action to ensure risk mitigation in order to minimize potential losses.

• Support Relationship Managers in related portfolio management activities, whether related to credit, depository or other banking services.  Perform other related duties and special projects as requested by management.

• Perform other related duties and special projects as requested by management, which could include managing a limited number of customer relationships, performing the functions of a Relationship Manager in oversight of these customers, whether in identifying and providing product solutions, or in ongoing servicing of the account relationships.

Nature and Scope:

• Incumbent works under general supervision and will work very closely with Group Manager, Senior Credit Officer and RM in all aspects of the loan process.

• Increased complexity and size of deals managed.

• Impact extends to Bank's long-term operations, revenues and profitability.

Minimum Qualifications Required:

• Bachelor's degree in Accounting/Finance or related field with a minimum of four years Accounting, Finance or Credit or relevant experience or in lieu of a degree a combined minimum of eight years higher education and/or work experience to include a minimum of four years of Accounting, Finance or Credit or relevant experience.

• We encourage candidates with relevant military experience to apply.

Ideal Qualifications Preferred:

• Bachelor's degree in Accounting/Finance

• Commercial lending experience

• Solid knowledge of personal computers

• Thorough knowledge of various software programs Word, Excel and other departmental software

• Excellent analytical capability

• Knowledge of credit principles

• Highly motivated, detail-oriented self-starter

• Excellent communication and organization skills

• Ability to interact with external and internal personnel using tact and diplomacy

• Ability to work under critical time constraints

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