Job SummaryThe Portfolio Relationship Manager owns primary responsibility for the underwriting quality, portfolio administration, the credit quality of the assigned portfolio, and working directly with Account officers.
Essential Job Functions- Responsible for the credit and monitoring of portfolio risks
- Working directly with account officers and team members to effectively grow fees, deposits, and portfolio revenue by presenting financial solutions to customers.
- Conducts preliminary evaluation and underwriting of loan proposals terms sheets.
- Contribute to the Team's overall meeting and/or exceeding the assigned volume/production goals
- Identify and recommend changes and enhancements to the Bank's lending policies and procedures to best serve the current market needs
- Responsible for the full cycle of loan requests process. Provide financial analysis, obtain data to prepare a term sheet, and write proposals to expand the lending business.
- Requests all third party appraisals, environmental reports, and ensures all are within compliance.
- Identify areas of concern pertaining to a loan and discuss with Account officers
- Primary liaison with the Credit Department on loans submitted, prepare risk rating change proposal and facilitate the loan approval.
- Primary contact for coordinating information between client and internal departments in the loan process.
- Responsible for communication and finalizing loan closing.
- Responsible for overseeing renewals, document tickler and covenant tracking of loans.
- Monitor loan documentation exception reports and follow-up to clear up document exceptions in a timely manner.
- Monitor financial statement exception reports and follow-up to clear up financial statement exceptions in a timely manner.
- Works closely with Account Officers to manage maturing and re-price loans and identify new business opportunities.
- Troubleshoot, report, and manage activity on delinquent accounts at the various intervals
- Generate and provide requested reports as necessary on Team's loan portfolio
- Participate in team sales calls and attend external events and activities in a business development role.
Qualifications/Requirements- Minimum of five (5) years of experience working in a Banking environment with emphasis on credit area required.
- Prior working experience with loan underwriting is required.
- Formal credit training is required.
- Ability to analyze financial and project statement, corporate and personal tax returns.
- Understanding of basic loan structure processes and regulations associated with lending
- Strong understanding of loan documentation criteria
- Excellent verbal and written communication skills;
- Proficiency with Microsoft Office Suite (Word, Excel, Powerpoint)
- Excellent interpersonal, customer relations and sales skills
- Ability to demonstrate being a self-starter, well-organized, detail-oriented
- Strong team work ethics is required
- Ability to converse and exchange information with all levels of staff within organization.
- Ability to observe, perceive, identify, and translate data
- Ability to work well independently and in a fast-paced environment
- Travel within the local market may be necessary
