The Commercial Portfolio Manager is responsible for collaborating with Commercial Relationship Managers on deal structure and underwriting efforts. Prepares well written Loan Presentation and Deal Vetting Memoranda. Monitors loan covenant compliance, exception reporting, past dues construction progress to ensure loan draws are funded and documented with occasional sites visits. This role will also ensure timely reviews and renewals of commercial loans, regularly accompany the Commercial Relationship Manager on development calls, attend client meetings and Credit Committee, and cross sell bank products and services.
Responsibilities Assessment of credit quality and proper risk rating for Commercial Real Estate loan portfolioDetermination of data required for loan packagesPortfolio management decisionsDetermination of which existing customers would be potential candidates for expanded services Practice commercial loan portfolio management skills through practical application of assigned portfolio including project analysis, loan underwriting, proper risk analysis and identification of risk rate, packaging and presentation, renewal processing, loan doc prep and closing, collateral analysis, past due notice management, etc. Work with Audit, Loan Review and the OCC as needed. Monitors loan compliance covenant, exceptions, and past dues as well as monitors construction progress to ensure loan draws are funded and documented. Makes joint calls with the CRE Relationship Managers to gather information for the client; goes on follow up calls as needed. Solicits existing portfolio customers in an effort to increase and retain volume and cross sell Bank products and services. Promotes customer relations. Qualifications Bachelor’s degree in Business, Finance, and Accounting related field, or equivalent experienceMinimum of five years (5) of commercial or CRE lending/credit experience or equivalent capital markets/broker real estate experienceExperience with real estate or commercial lending risk analysis or capital markets real estate underwritingWell-developed understanding of lending and credit approval process as well as pertinent bank policies and external regulationsDetailed knowledge of credit analysis practice and procedureFamiliarity with products and services offered by financial services institutionsExcellent interpersonal skillsDeveloped decision makingProven ability to build relationshipsTime management/organization skillsComputer skills to include word processing and spreadsheet applicationEffective analytical skillsAbility to interact with external and internal customersInstitutional CRE experience preferred but not requiredStrong oral and written communication skillsStrong analytical skillsPhysical Requirements/Working Conditions: Must be able to sit for long periods of time and use computer keyboard and/or mouse, while viewing computer screens.
Note: This is a brief description of this position and is not limited to those described herein. Management retains the right to add, delete or modify any of these responsibilities at any time during employment.
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