5-7 years of experience in commercial lending or portfolio management, with a focus on portfolios over $250MM
Strong analytical skills to interpret financial and legal documents
Proficient in writing complex reports and business correspondence
Excellent communication skills for presenting to clients and internal stakeholders
Ability to manage high volumes of complex loans efficiently
Experience in compliance with credit policies and regulatory requirements
Responsibilities
Manage client relationships throughout the lending process
Screen and underwrite new lending opportunities
Prepare transaction memorandums and facilitate underwriting
Collaborate with internal departments and third-party attorneys
Conduct ongoing portfolio reviews and manage past dues
Ensure compliance with funding disbursements for construction loans
Participate in risk evaluation and make recommendations
Benefits
Opportunities for professional development and training
Collaborative work environment with experienced professionals
Exposure to complex lending scenarios and client interactions
Potential for career advancement within the organization
Supportive culture that values compliance and ethical standards
Full Job Description
The Commercial Portfolio Manager II supports the portfolio growth by managing clients through the various stages of the lending process. Provides ongoing monitoring of assigned portfolios to ensure asset quality and customer service standards are met. The Commercial Portfolio Manager II is responsible for client relationships as well as on-going sales and support of clients that allows the assigned bank officers to dedicate more time to sales efforts and new business and relationship development. Key responsibilities of the position include day-to-day client interaction, screening, structuring, underwriting, and monitoring commercial relationships while adhering to the standards and policies set by the bank. This position often functions as an SME in market and a go-to person for complex questions, challenges, or processes; typically acts as a peer leader to less experienced portfolio managers.
Essential Duties and Responsibilities
Thorough understanding and ability to perform screening and underwriting of new, lending opportunities developed by the commercial banker and other commercial portfolio managers
Ability to manage high volume and/or complexity of loans consistently and regularly in an efficient manner.
Prepares memorandum and facilitates the underwriting of new transactions and/or renewals.
Works directly with other internal departments including commercial credit analysts, appraisal services group and loan administration.
Works directly with third-party attorneys for loan documentation preparation.
Ensures adherence to credit policy, guidelines and regulatory requirements.
In some markets, perform in-house appraisals and inspections on collateral.
Assists in the lending and sales process by accompanying the lenders on customer and prospect calls.
Responsible for ongoing portfolio review of past dues, exceptions and maturing loan reports.
Reports past dues to officer or makes contact to collect payment
Works with officer to collect items needed for renewal processing
Makes appropriate recommendations for these accounts
Reports deteriorating credit situations to officer
Handles escalated exceptions
Ensures funding of construction loan disbursements in accordance with bank policy. Works closely with borrower, CCFG, title companies and other third parties to ensure accurate disbursements with ongoing monitoring and record keeping.
Participates in evaluating risk rating and makes revision recommendations. Prepare Discussion Term Sheet
Ensures all departmental documents and activities are performed in compliance with applicable laws, regulations, policies and procedures as applicable to this position, including completion of required compliance training.
Performs other duties and responsibilities as assigned.
Qualifications
To perform this job 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.
Skills
Advanced experience supporting a commercial lending portfolio of $250MM or greater; comprised of a team of commercial bankers or an individual banker.
Advanced experience in interpreting documents such as procedure manuals, general business correspondence and/or journals or government regulations
Ability to read, analyze and interpret financial report and/or legal documents.
Advanced experience to write complex reports and business correspondence
Aptitude to respond in writing to customer complaints, regulatory agencies or members of the business community
In-depth and extensive experience in presenting information in one-on-one and small group situations, to customers, clients and other employees in the organization
Ability to effectively present information and respond to questions from groups of managers, clients, customers and the general public and/or boards of directors
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Activities, duties and responsibilities may change at any time with or without notice.
Skills Training:
Formal Credit Training
Communication, Critical Thinking, Problem Solving,
