Job Commercial Portfolio Manager I

Overview

The position will support the Regional President and Senior Commercial Executives in the management of a Relationship Manager's complete loan portfolio to include : underwriting, structuring and documenting of loan request. They are responsible for protecting the Bank by providing an unbiased and objective view of the prospective borrower and thoroughly disclosing all identified risks.

Responsibilities include a combination of credit analysis and relationship management responsibilities with the career path towards transitioning to a Commercial Relationship Manager. The Regional President or assigned Relationship Manager (RM) will provide the Portfolio Manager with coaching and training around client management, prospecting, and other pertinent "client facing" skills and attributes needed to be a successful Relationship Manager. The Portfolio Manager will also be assigned a limited number of client relationships to develop the skills necessary to succeed in a Commercial Relationship Manager role. The Portfolio Manager will primarily complete their credit analysis duties for credit relationships belonging to their assigned Relationship Manager, performing all customary underwriting, risk management, and prudent credit analysis as detailed below and as detailed in the Bank's Loan Policy.

Functional Area of Focus :

Client Management and Prospecting

Total Loan Portfolio Management

Commercial Underwriting and Analysis

Special projects and other duties as assigned

Responsibilities

Underwriting and Risk Management (35%)

• Manage complex loans by gathering needed information, obtaining appraisals, analyzing information, structuring credit decisions and recommending risk rating changes.
• Owns the on-time completion of new underwritings and refinancings as applicable, annual reviews, renewals, amendments / waivers, and ancillary line approvals
• Expands client relationships through consistent and direct client calling efforts, both in-person and on the phone
• Analyzes financial information that is required for prudent loan approval and risk management practices
• Provides direction and feedback to Loan Assistants and Relationship Manager(s) on proper workflow procedures and adherence to Bank credit policy
• Works with RM, Credit Analyst Manager, and Senior Underwriter as appropriate on loan closings, including assistance with review of all due diligence items and ensuring that all closing conditions that require review by RM or Underwriting are met to the Bank's satisfaction
• Assists RM, Credit Analyst Manager, and Senior Underwriter on the review of all loan documentation, including the review of comments made by the Borrower's counsel

Credit Analysis (35%)

Credit Request Management (20%)

Special Projects / Other (10%)

Qualifications

Knowledge :

2-4 years of experience in financial services, preferably in a risk management, credit underwriting, or loan production role within a construction lending or commercial banking environment.

Must be able to demonstrate knowledge of loan structuring, covenants, and closing conditions as well as a proficiency in term sheet preparation and collateral perfection. Must possess a clear and demonstrable knowledge of C&I, Commercial Real Estate, and Acquisition, Development, and Construction (AD&C) lending. Strong financial accounting knowledge / background is required.

Skills :

Demonstrated analytical skills; demonstrated proficiency in the use of standard and specialized computer hardware and software packages such as Microsoft Office; demonstrated strong oral and written communication skills.

Abilities :

Understanding of financial accounting, loan structuring, and loan documentation as well as excellent credit analysis and financial / cash flow modeling skills.; effectively communicate information clearly through all media channels; interact effectively with clients and Bank employees at all levels; handle several tasks simultaneously and to work under time limits; must be able to effectively present findings to varied audiences.

Education :

Bachelor's degree in Accounting, Finance, or Economics is required; MBA preferred.

Travel :

Required 5 - 10% of the time to our Operations Center located in Toano, VA.

Physical demands :

Employee may experience the following physical demands for extended periods of time : view computer monitors, keyboarding, sitting, motion of fingers / hands / wrists, and standing / walking

Work Environment :

Work is performed in an operational office environment.

Note : This job description contains the essential functions, duties, and responsibilities of the position in accordance with the Americans with Disabilities Act (ADA). Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. C&F Bank reserves the right to make future revisions to this job description and the inherent responsibilities of the position based on the needs of the organization.

Equal Employment Opportunity Statement C&F is committed to providing equal employment opportunity to all qualified persons and reaffirms in policy and practice that it shall not discriminate against applicants or employees because of race, color, religion, gender, age (over 40), disability, genetic information, veteran status (disabled veterans, recently separated veterans, active duty wartime or campaign badge veterans, Armed Forces service medal veterans, and Vietnam era veterans), national origin, or any other consideration protected by applicable federal, state, or local law. This applies to all areas of employment, including promotion, transfer, layoff, termination, compensation, benefits, recruitment advertising, recruitment, and selection for training.