Job Description
Job Description
BASIC FUNCTION
Responsible for preparing annual review memos for existing borrowers tied to the commercial lending loans portfolios. The Portfolio Manager will be assigned a portfolio of C&I facilities to manage.
MAJOR RESPONSIBILITIES
- Assume full account management responsibility for any C&I loan as described above under Basic Function.
- Provide ongoing credit oversight and portfolio management of the C&I loan portfolio through annual reviews, monitoring of covenant compliance and the creation and maintenance of Watch List credits.
- Interact with Loan Officers, Borrowers or CPAs to obtain necessary financial information required to complete annual reviews.
- Meet with clients if & when required and perform assessment of issues and financial condition, and ability to repay debt in accordance with the terms thereof.
- Consult with customers regarding their financial performance trends and pro-actively anticipate and manage deteriorating credits.
- Negotiate and recommend for approval, financial covenant waivers and loan modifications.
- Manage and track borrowing bases, A / R Aging, etc.
- Manage portfolio risk on a forward and proactive basis with respect to economic and industry trends, borrower concentrations, industry concentrations, likelihood of default and loss and criticized and classified loan migration.
- Recommend specific action plans upon identifying increased borrower credit risk to mitigate non performing / non-accrual loan status.
- Daily monitoring of all overdrafts for C&I relationships.
- Order appraisals, flood searches, and credit reports.
- Assist with site visits / property inspections as needed.
- Assist SVP Director of Portfolio Management with monthly reporting as required.
JOB REQUIREMENTS
Education : College Degree
College Degree
Experience :
Minimum of 5+ years related work experience (C&I Lending, CRE Lending, Collections, Bankruptcy, and Foreclosure).
Formal credit training required.
Excellent written / verbal communication skills required.
Ability to work independently and meet specified deadlines.
Assertive, self-directed personality type.
Working knowledge of word processing and spreadsheet software required.
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