Portfolio Manager

About The Role

Position provides a vital role in supporting the Commercial Relationship Managers in managing the assigned commercial client portfolio and seeks opportunity to expand the relationship and referral network.

Provides support to Relationship Managers by building and maintaining strong relationships with commercial banking clients, meeting with clients, preparing loan documents, analyzing customer financial statements, tax returns, budgets, and other financial data.

Performs ratio, industry benchmark, historical, and budget to actual comparative analysis. Prepares loan reports from which loan decisions are based upon and performs underwriting analysis.

PRINCIPAL RESPONSIBLITES AND DUTIES :

1. Relationship Management Support :

• Assist the Relationship Managers in building and maintaining strong relationships with commercial banking clients.
• Act as one of the points of contact for clients, addressing their inquiries, requests, and concerns promptly and professionally.
• Proactively monitors monthly, quarterly, and annual request and receipt of Financial Statements, Tax Returns, ect.
• Collaborate with Relationship Managers to identify cross-selling opportunities and generate leads for additional banking services.
• Client Service and Support :
• Provide exceptional customer service to commercial banking clients, ensuring their needs are met efficiently and effectively.
• Work with bank partners to assist clients with various banking transactions, including account openings, loan applications, wire transfers, and cash management services.
• Conduct regular client reviews to assess their financial needs and recommend appropriate banking solutions.
• Assures quality customer service and portrays a positive and professional image for the bank by friendly and efficient handling of all customers and by developing and maintaining professional relationships with government agencies (FSA & SBA), insurance agents, title company personnel, state and county auditors and other outside associates.
• Financial Analysis and Credit Support :
• Assist in the collection and analysis of financial statements, credit applications, and other relevant documentation for loan underwriting.
• Conduct research and gather data to support the credit analysis process, including reviewing industry trends, financial statements, and collateral valuations.
• Prepare credit memos (Loan Reports) and presentations for internal credit approval processes.
• Portfolio Management :
• Monitor commercial loan portfolios to ensure compliance with loan covenants, financial reporting requirements, and timely repayment.
• Assist in the collection of financial information and documentation from clients to support ongoing portfolio monitoring activities.
• Collaborate with the Credit Administration team to ensure accurate and up-to-date credit files and documentation.
• Avoids possible loss to the bank by ensuring all installment, commercial and real estate loans are processed within the policies and processes established by the bank.
• Compliance and Risk Management :
• Adhere to all applicable banking regulations, policies, and procedures to maintain compliance standards.
• Identify and mitigate potential risks associated with client accounts and transactions.
• Stay updated on industry trends, regulatory changes, and best practices in commercial banking.

ADDITIONAL RESPONSIBILITIES :

• Adhere to Wheatland Bank Core Values
• Keep management informed of area activities and any significant problems
• Provide exceptional customer service to all customers, both internal and external.
• Represent Wheatland Bank in a Professional fashion to include; professional image, confidentiality, regular and consistent attendance, punctual

About You

EXPERIENCE, EDUCATION, AND SKILLS :

• Bachelor's degree in Business, Finance, Economics, or a related field is preferred.
• A minimum of 5 years experience in banking, finance, accounting, or similar field.
• Strong analytical and financial analysis skills, with the ability to review and interpret financial statements and credit information.
• Excellent interpersonal and communication skills to build and maintain client relationships effectively.
• Detail-oriented and highly organized, with the ability to handle multiple tasks and meet deadlines.
• Proficient in using banking software, Microsoft Office Suite, and other relevant applications.
• Knowledge of commercial agricultural lending practices, products, and services is advantageous.
• Familiarity with regulatory requirements and risk management practices in the banking industry.

WORK ENVIRONMENT : Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.

PHYSICAL DEMANDS : The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is often required to : sit; use hands in repetitive motions to finger, grasp, handle or feel;

and talk or hear. The employee is occasionally required to : stand; walk; and lift or reach with hands and arms.

Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators.

Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management.

Must be capable of regular, reliable and timely attendance. Must be capable of climbing / descending stairs in an emergency situation.

Specific lifting abilities required by this job include : Sedentary work. Exerting up to 10 pounds of force occasionally and / or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body.

Sedentary work involves sitting most of the time. Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met.

Specific vision abilities required by this job include : The worker is required to have close visual acuity to perform an activity such as : preparing and analyzing data and figures;

transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and / or operation / inspection of machines and / or using measurement devices at distances close to the eyes.

What We Offer

COMPENSATION & BENEFITS : The pay range for this postion is starts at $82,657 per year. Pay is dependent upon relevant experience.

We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance, a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a 401(k) retirement savings plan, discounts on banking products and services, and paid sick, holiday, and vacation time and the ability to participate in incentive plans.

Visit our website for more details!

COMPANY OVERVIEW : We are a family of banks whose unique local presence reflects the communities we serve. We welcome the opportunity to grow and change as our customers and communities do the same.

Read our story, learn about our banks, and experience life at