Major Duties and Responsibilities:Core Values & Culture Commitment:
- Uphold SmartBank Core Values and Core Purpose.
- Adheres to and embraces the SmartBank Way by Acting Smart, Looking Smart and Being Smart.
Loan Renewal & Portfolio Management
- Lead and manage the loan renewal process for assigned Relationship Managers (RMs)
- Maintain a proactive approach to all upcoming maturities using the 30-60-90 day maturing report.
- Confirm upcoming renewals versus payoffs in partnership with each RM.
- Create renewal records in nCino, ideally at least 60 days prior to maturity.
- Actively manage all financial exceptions, with priority given to items 90 days or older.
- Coordinate with RMs to clarify responsibility for customer outreach related to financial reporting or documentation.
- Manage and monitor Earl Whaley insurance reports, with emphasis on past-due items and avoidance of forced-placed insurance.
- On-Time Renewal Creation: 6495% of renewals created 6445 days prior to maturity.
- Maturity Review Coverage (30-60-90): 100% of loans reviewed with renew or payoff decision.
- Past Due Renewals: 0 loans maturing without a renewal or documented payoff.
- Renewal Cycle Time: Average 6445 days from identification to completion
Credit and Review Support
- Update and upload financials, spreads, and covenant compliance information, providing RMs with timely status updates.
- Complete initial preparation for annual reviews, ensuring accuracy and completeness of required documentation.
- Review Preparation Lead Time: Reviews prepared 6430 days before due date.
Financial Exceptions & Covenant Compliance
- Aged Financial Exceptions (3E90 days): 645% of total exceptions.
- Exception Resolution Timeliness: 6490% resolved within 30 days.
- Covenant Tracking Accuracy: 6495% accurate identification and reporting.
- Financial Update Timeliness: 6495% completed by internal deadlines.
Insurance & Risk Monitoring
- Forced-Placed Insurance Events: 0 attributable to PM action or inaction.
- Past-Due Insurance Resolution: 6495% resolved within 15 days.
- Insurance Exception Aging: Average outstanding 6430 days.
Client Servicing & Support
- Assist with need-based inquiries (including Treasury Management, account questions, loan draws, etc.) and direct them to the appropriate internal partner.
- Support opening and servicing commercial and private banking accounts, including coordination with Retail when needed.
- Provide operational support with wires, ACH, mobile deposit, online banking as needed.
- Support the completion of annual account and Treasury Management reviews.
General Responsibilities
- Participate in regular weekly meetings with relevant team members to communicate priorities and action items.
- Perform additional duties as assigned related to loan process management or client servicing.
Position Requirements and Qualifications:Education:Bachelor's degree in business-related field preferred or applicable experience.
Knowledge, Skills, and Abilities:- Excellent customer service and interpersonal skills.
- Ability to apply knowledge and sound judgment in decision-making using established guidelines.
- Strong written and oral communication skills.
- Detail oriented and ability to function in a team environment.
- Demonstrates ability to maintain a positive attitude.
- High level of integrity.
- Able to maintain regular and predictable attendance.
- Must possess the ability to handle multiple tasks simultaneously, with frequent interruptions.
- Must be able to able to prioritize and organize daily workflow.
- Strong relationship management and business development/sales skills.
- Thorough knowledge of bank products and services.
Work Conditions:- Able to routinely stand, sit, bend and stoop.
- Frequently and regularly required movements using wrists, hands, and/or fingers.
- Average, ordinary, visual acuity necessary to prepare and inspect documents or products and operate machinery.
- Ability to hear average or normal conversations and receive ordinary information.
- May be required to travel to training sessions or meetings.
