JOB SUMMARY: The Commercial Real Estate Portfolio Manager has the responsibility of assisting the lending staff in seeking and maintaining loan relationships with businesses, professional groups and high net worth individuals. This position will administer and maintain loan portfolios, solicit deposits, follow-up timely on renewals and delinquencies, and ensure that the highest levels of quality and profitability are attained in their loan portfolio.
- Bachelor’s degree in Business, Finance or Accounting or equivalent experience
- Excellent skills in managing multiple tasks requiring strong attention to detail
- Results-oriented, flexible and demonstrated ability to prioritize work assignments.
- Computer aptitude, including knowledge of Microsoft Office Suite programs, and other database software.
BANKING REQUIREMENTS (preferred):
- Commercial and Commercial Real Estate lending experience, credit analysis, financial analysis, business development and sales experience.
- Knowledge of banking laws, bank policies and procedures.
- In-depth knowledge of bank's products and services Excellent communication, negotiation, interpersonal and problem-solving skills.
DUTIES AND RESPONSIBILITIES:
1. Credit Reviews/Analysis
- Prepares Credit Approval Report for the relationship manager for approval and/or presentation to loan committee.
- Complete approval request on the CRM approval form. Be familiar with all aspects of preparing the document and understanding the risk rating factors.
- Coordinates written credit analysis with the Banks credit analyst to determine the validity of the credit request and establishes whether the customer meets the bank's credit requirements.
- Collects and reviews all financial spread and credit history.
- Clears all collateral and documentation exceptions.
- Ensures loan is closed within the terms of the approval document
- Requests customers’ updated financial statements for new loans and renewals, and assists the relationship manager in the closing of new loans and the renewal of existing loans as necessary.
- Ensures conformity with the Banks loan policy terms and agreements.
- Recommends & models appropriate loan structure for new and existing loan relationships.
2. Follow-up on Current Credits and Delinquency List:
- Reviews delinquency list and identifies potential credit problems by working any watch or classified assets prior to transferring to Special Assets Department.
- Maintains regular contact with customer and keeps abreast of the latest developments in the customer's financial and business condition.
- Coordinates with Chief Credit Officer, Senior Lending Officer, and/or Special Assets Officer in restructuring loans to control delinquency and minimize losses.
- Analyses and makes recommendation to resolve any problem loans.
- Ensures credits are in compliance with bank policies and procedures. Must abide by all BSA policies.
- Responds to inquiries from auditors and regulatory agencies.
- Participates actively in civic and community activities to enhance bank's image, visibility and to reinforce bank's commitment to CRA.
4. Report Preparation
- Prepares problem Asset Review (PAR) reports for the monthly and quarterly meeting.
- Maintenance of Existing Customer Relationships
- Builds existing customer relationships by phone contact, personal visits and letters with information about the bank's annual earnings and status in the community.
- Ensures that the operational needs of the customers are quickly met and answers routine questions within the relationship.
- Cross-sells additional products and services to existing customer base and asks for referrals.
5. Membership in Bank Committees
- Attends Loan committee meetings as directed.
Federal Contractor—Equal Opportunity Employer M/F/Disabled/Vets