Senior Credit Portfolio Manager

Primary Responsibilities

• Develops and manages a portfolio of credit products in order to achieve growth, profitability, and risk objectives.
• Conducts analysis of customer behavior and trends in order to identify opportunities for product development and improvement.
• Manages the end-to-end product lifecycle for assigned products, including but not limited to : product design and development, pricing, promotion, and ongoing maintenance.
• Serves as subject matter expert on assigned products, providing input and guidance on product strategy, features, and benefits.
• Develops and maintains strong relationships with internal and external partners, including but not limited to : sales, marketing, operations, finance, and compliance.
• Monitors and reports on key performance indicators for assigned products, taking action as necessary to ensure desired results are achieved.
• Stays abreast of industry trends and developments, identifying potential threats and opportunities for the business.
• Proactively identifies and manages risks associated with assigned products, working with relevant parties to develop and implement mitigation strategies.
• Prepares and presents reports on portfolio performance to senior management on a regular basis.
• Completes annual E-Learning Plan and Bank Secrecy Act (BSA) training as assigned and keeps up-to-date knowledge of BSA as it relates to the job function.

Secondary Responsibilities

Performs other duties as assigned.

Management Responsibilities

This job has no management responsibilities.

Qualifications

• Bachelors Accounting, Business Administration / Management, Finance
• Or Related Field required
• 5-7 years related experience as a Credit Analyst, Portfolio Manager or Commercial Loan Officer required
• Strong analytical skills and an understanding of general economic theory as it relates to the lending and business environment required
• Demonstrated understanding of credit analysis, risk analysis, and accounting and finance principles required
• Working knowledge of commercial and agricultural lending, credit and appropriate banking laws and regulations required
• Strong credit underwriting skills with experience in credit structuring and prudently accommodating customer credit needs required
• Proven track record of demonstrating accuracy and thoroughness with an focus on finding ways to improve and promote quality required
• Ability to maintain confidentiality of customer and credit information required
• Ability to effectively manage competing deadlines for projects in a high-pressure work environment, with minimal supervision required
• Thorough understanding of bank policies and procedures required
• Experience with ProfitMax, InfoAccess, nCino and Credit Lens (Moody’s), AS400 / Fiserv and / or other related computer programs required
• RMA - Credit Risk Certification - CRC - Risk Management Association - RMA within 1-1 / 2 Yrs preferred

Standard ADA Selection : Office and Administrative Support

Physical Demands :

• Standing - Frequently
• Walking - Occasionally
• Sitting - Frequently
• Lifting - Occasionally
• Carrying - Occasionally
• Pushing - Rarely
• Pulling - Rarely
• Balancing - Rarely
• Kneeling - N / A
• Crouching - Rarely
• Reaching - Rarely
• Repetitive Motions - Frequently
• Eye / Hand / Foot Coordination - Constantly

Working Environment :

• Extreme cold - N / A
• Extreme heat - N / A
• Humidity - N / A
• Wet - N / A
• Noise - Rarely
• Hazards - N / A
• Temperature Change - N / A
• Atmospheric Conditions - N / A
• Vibration - N / A

Standard Business Hours :

Standard business hours are Monday through Friday, 8 : 00 a.m. to 5 : 00 p.m. Exempt employees are expected to work as long as it takes to accomplish the goals and deliverables of the position;

typically, a minimum of 40-45 hours per week.

Travel :

Est. Amount - 20% Travel including the ability to travel regionally once per quarter for up to three days per event.

Driving Requirements :

Est. Amount - 0%

Scheduled Weekly Hours :

Time Type : Full time

Full time

The targeted salary for this role is :

$110,413.00 - $143,537.00