Commercial Loan Portfolio Manager

Job Overview

The Portfolio Manager is a key player on deal teams, collaborating and generating solutions for current and perspective clients within the Bank. As a deal structuring expert working in conjunction with the CLO, the Portfolio Manager will actively manage a book of business requiring on-going client interaction and financial analysis to maximize market penetration and account performance, in compliance with state and federal regulations, company policies and established Standard Operating Procedures (SOPs).

Principal Accountabilities

Responsible for structuring and underwriting new client credit and performing financial modeling and analysis for complex deals. In a proactive and independent manner, conduct continuous monitoring of their client's portfolio and performance. Achieve various partnering efforts, including helping to manage team and client initiatives, to ensure profitable, properly structured deals are booked. Lead the relationship team through the Credit Approval process in the most efficient manner based on their knowledge base and depth in understanding Horizon Bank's credit culture, as well as the rules and terms under which the deal should be done. Represent the Bank to both internal and external customers in a courteous, professional manner in face-to-face, written and telephone communications. A ccountable for adherence to compliance standards including Bank Secrecy Act (BSA). Actively protect confidentiality of customer and account information. Demonstrate Horizon Bank's commitment to the communities we serve through active involvement in local organizations and events.

Duties

The Portfolio Manager will manage risk / audit requirements for the assigned portfolio as outlined in Policies & Procedures.

Loan Structuring, Underwriting & Risk Management

• Protect Bank's assets and maintain quality of portfolio by adhering to lending processes, policies & procedures, legal and ethical requirements and regulations, audit requirements, and established risk management guidelines. Ensure all Commercial Banking business is in conformity with Bank Policies & other guidelines.
• Adhere to Know Your Customers Rules & Bank Policies & Procedures for the prevention of loss due to fraud, counterfeiting, money laundering, or defalcation; Identify and report suspicious and other reportable transactions or patterns of activity that are suspected to be related to money laundering.
• Collaborate with CLO's to generate ideas, identify client solutions, and deliver timely solutions.
• Actively manage client solution opportunities to identify cross-selling opportunities within portfolios.
• Operate as a key member of the deal team of prospective clients with efforts to maximize market penetration and returns.
• Provide underwriting expertise in all categories of complexity of transactions; apply expert analytics and guidance in required structuring and terms in order to balance the risk and rewards of the transaction in an attempt to win the business.
• Provide expertise and guidance in negotiating and documenting transaction with client within the context of the deal team.
• Maintain awareness of all firm products and services offered and facilitate means of receiving continuous updates.
• Assist CLO's and Credit Administration in renewals, extensions, modifications, covenant testing, and spreads
• Collaborate with CLO's in completion of opportunity memos for presentation of new prospects
• Participate in client calls as required, deal structuring, approval process including commentary in loan committee.

Portfolio Performance Management

nd

reviewer of complex relationships and be a backup to officer for client needs, such as draws, collateral changes, billing issues, etc.

Personnel Management

Risk and Compliance

Qualifications & Skills

Core Competencies

Physical Requirements

Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions in compliance with the Americans with Disabilities Act (ADA)

Physical Demand : Percentage of Time :

Communicate with customers, advisors and managers regarding banking transactions and issues. Able to exchange accurate information with others.

90-100%

Able to verify authenticity of financial instruments, forms, documents and signatures. Able to verify identity of customers, vendors and service providers. Able to observe actions of others to ensure safety and security of the facility.

90-100%

Able to grasp, move and sort forms and papers.

90-100%

Constantly operate a computer and other office machinery such as calculator, copy machine, fax machine, scanner, printer and telephone

90-100%

Able to remain stationary at a desk for long periods of time

75-100%

Regularly move about the office to access file cabinets, storage drawers and various office equipment

75-100%

Occasionally position self to reach heights between floor and 6'

Travel locally to attend closings, seminars and meetings.

Horizon Bank is a proud Equal Opportunity Employer | Disability | Veteran Employer.

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