Commercial Portfolio Manager

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Working closely under the direct supervision of a Portfolio Group Manager or Senior Group Sales Manager, the Commercial Portfolio Manager 1 is a member of the client's Credit Delivery Team, i.e., relationship manager (RM), Commercial Client Administrator (CCA), market leadership, credit officer, etc. Adhering to the guidance of bank policy and standards, this position's primary responsibilities include credit analysis, underwriting and portfolio management. The assigned portfolio will consist of Wholesale Banking relationships representing a range of industries including general C & I, manufacturing, distribution, professional services, transportation and specialties. The portfolio products include, but are not limited to, lines of credit, term notes, owner-occupied real estate and ancillary credit products. The position will also assist in identifying and recommending new prospective clients to grow the portfolio and cross-sale opportunities to strengthen existing client relationships.

SCOPE

The Commercial Portfolio Manager 1 will be assigned to manage a loan portfolio of smaller, less complex Wholesale Banking credits, typically representing up to 25 relationships and approximately $50 million in total commitments (will vary by market).

ESSENTIAL DUTIES

• Partners with the RM in preparing the due diligence and analysis required for the preparation of an opportunity memo for new-to-bank client relationships.
• As appropriate, partners with the RM as a point of contact for the client or liaison to the Credit Delivery Team and other business partners.
• As appropriate, participates with the RM in the discussions and presentation of credit requests to local market leadership and credit officers.
• Works closely with the RM and CCA to assist with client servicing, collecting borrower and guarantor financials, transaction information, monitoring loan maturities and past due loans, etc.
• Periodically review the borrower's electronic file depository to assess for the completeness of files and that documents are accurately filed.
• Monitors client operating performance against original underwriting and projections upon receipt of required reporting.
• Verifies that coding, borrower and facility risk rating assessments (and dates) and expected loss ratios are accurate and correctly recorded on the loan system.
• Works closely with the RM and CCA to monitor and resolve document exceptions that may arise including, but not limited to, loan coding, collateral and critical documentation exceptions, etc. As required, actively participates on the loan agreement exception tracking calls.
• Promptly notifies the Director of Portfolio Management and Underwriting of any upward or downward (numerical) movement in a client's borrower risk assessment.
• As appropriate, assists in the preparation of Watch Reports and is available to make presentations to Watch Committee as needed.
• Provide assistance with special projects for the portfolio management team or region as needed.
• As required, respond timely to credit review to answer questions and provide any missing documentation.
• Continue to develop advanced underwriting skills and analytical techniques through interactions with their manager, credit officers and other senior associates.
• Support and assist other team members as workload dictates.
• Openly exchanges ideas and opinion and expresses concerns.
• Safeguards all client information in adherence to bank guidelines, including personal client data, account data and other sensitive information.
• Maintains a working knowledge of bank policies and procedures regarding applicable federal, state, and local banking and industry related laws and regulations, including but not limited to, Anti-Money Laundering, Gramm-Leach-Bliley, OFAC, CRA, Fair Lending, Bank Secrecy Act, etc.
• Ensures timely and successful completion of all assigned bank training.
• Responsible to report any procedure or process that doesn't meet regulatory requirements including fraud, whether suspected or confirmed, to management. This reporting can be directly made to management, including Human Resources or Corporate Security, or can be reported anonymously via the Integrity in Action hotline.
• Responsible for identifying and recommending cross-sell opportunities of ancillary bank products including, but not limited to, Treasury Services, International Banking, Equipment Finance, Private Banking, etc.
• Annual involvement in at least one (1) civic, community or industry-related activity is strongly encouraged.

ADDITIONAL DUTIES

• Partners with the RM in preparing the due diligence and analysis required for the preparation of an opportunity memo for new-to-bank client relationships.
• As appropriate, partners with the RM as a point of contact for the client or liaison to the Credit Delivery Team and other business partners.
• As appropriate, participates with the RM in the discussions and presentation of credit requests to local market leadership and credit officers.
• Works closely with the RM and CCA to assist with client servicing, collecting borrower and guarantor financials, transaction information, monitoring loan maturities and past due loans, etc.
• Periodically review the borrower's electronic file depository to assess for the completeness of files and that documents are accurately filed.
• Monitors client operating performance against original underwriting and projections upon receipt of required reporting.
• Verifies that coding, borrower and facility risk rating assessments (and dates) and expected loss ratios are accurate and correctly recorded on the loan system.
• Works closely with the RM and CCA to monitor and resolve document exceptions that may arise including, but not limited to, loan coding, collateral and critical documentation exceptions, etc. As required, actively participates on the loan agreement exception tracking calls.
• Promptly notifies the Director of Portfolio Management and Underwriting of any upward or downward (numerical) movement in a client's borrower risk assessment.
• As appropriate, assists in the preparation of Watch Reports and is available to make presentations to Watch Committee as needed.
• Provide assistance with special projects for the portfolio management team or region as needed.
• As required, respond timely to credit review to answer questions and provide any missing documentation.
• Continue to develop advanced underwriting skills and analytical techniques through interactions with their manager, credit officers and other senior associates.
• Support and assist other team members as workload dictates.
• Openly exchanges ideas and opinion and expresses concerns.
• Safeguards all client information in adherence to bank guidelines, including personal client data, account data and other sensitive information.
• Maintains a working knowledge of bank policies and procedures regarding applicable federal, state, and local banking and industry related laws and regulations, including but not limited to, Anti-Money Laundering, Gramm-Leach-Bliley, OFAC, CRA, Fair Lending, Bank Secrecy Act, etc.
• Ensures timely and successful completion of all assigned bank training.
• Responsible to report any procedure or process that doesn't meet regulatory requirements including fraud, whether suspected or confirmed, to management. This reporting can be directly made to management, including Human Resources or Corporate Security, or can be reported anonymously via the Integrity in Action hotline.
• Responsible for identifying and recommending cross-sell opportunities of ancillary bank products including, but not limited to, Treasury Services, International Banking, Equipment Finance, Private Banking, etc.
• Annual involvement in at least one (1) civic, community or industry-related activity is strongly encouraged.

NONE

• Bachelor's degree is required. A Bachelor's degree in Business Administration, Finance, Accounting or related field is preferred.
• 1+ year of general banking experience, relationship management, or a combination of related experience is preferred.
• Excellent verbal, written & interpersonal skills. Ability to read, analyze and interpret business periodicals, professional journals, technical procedures or governmental regulations; to write reports and business correspondence; effectively present information and respond to questions from groups of managers, clients and the general public
• Basic skills required
• Ability to read, analyze and interpret business and personal financial statements and tax returns
• Knowledge of non-credit bank products and services
• Credit, risk management and negotiation skills
• Understands and is capable of correctly applying business principals and financial ratios
• Analytical and financial analysis skills
• Capable of quick, on-the-spot calculations with a financial calculator
• Understands macro and micro economic issues as they apply to business
• Understands lending policy and procedures and underwriting and regulatory guidelines
• Understands risk (market, interest rate, leverage, etc.) as it applies to the lending process
• Ability to deal with a variety of instructions furnished in written, oral, diagram, or schedule form
• Ability to use sound logic to solve problems with effective solutions
• Knowledge of loan documentation, loan agreements, loan structuring, collateral perfection and liens, general business contracts, etc.
• Ability to multi-task and work under tight timelines
• Computer literate with ability to quickly learn new software systems; proficient in Microsoft Office Suite of products
• Intermediate skills required
• Collaborative and highly coachable
• Customer service orientation
• Presentation skills

• Ability to work under stress and meet deadlines
• Ability to travel
• Ability to lift/move/carry approximately 25 pounds if required to perform the essential job functions. If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department/division an "undue hardship" then the employee must be accommodated; hence omitting lifting/moving/carrying as a physical requirement.

Equal Opportunity/Affirmative Action Employers. All qualified applicants will receive consideration for employment without regard to race, color, religious beliefs, national origin, ancestry, citizenship, sex, gender, sexual orientation, gender identity, marital status, age, physical or mental disability or history of disability, genetic information, status as a protected veteran, disabled veteran, or other protected characteristics as required by federal, state and local laws.