Portfolio Manager

Description

JOB SUMMARY:

Responsible for managing a portfolio of loan and deposit relationships with customers. Responsibilities include recommending loans for approval within assigned limits, managing loan and portfolio credit quality, and cross-selling appropriate bank products and services to prospects and customers. Provide assistance to Relationship Managers with day-to-day underwriting responsibilities.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Retain and expand relationships with existing customers.
• Prospect for and close new business relationships with partnership with Relationship Managers.
• Grow net revenue year over year as directed by Senior Management.
• Provide training/coaching to Credit Analysts as assigned.
• Manage credit quality. Structure, underwrite and recommend new and existing relationships in accordance with Company credit policy. Properly identify risk management and risk rating.
• Manage assigned customer relationships and brings in appropriate product specialists as needed.
• Resolve customer problems and act as a liaison with other departments to ensure that the customer experiences the highest level of service and support.
• Manage overall customer and regional credit underwriting strategies. Develop and implement relationship strategies for cross-selling bank products and services. Satisfy customer requirements by providing a full array of loan, deposit, cash management and other appropriate bank products.
• Responsible for keeping current on the bank’s lending policies, products, and services.
• Participate in community and CRA activities to promote the Company’s brand in our communities.
• Actively ensure compliance with the Company’s Code of Ethics and all Bank Secrecy Act/Anti-Money Laundering, USA Patriot Act, information security and suspicious activity reporting requirements, policy and procedures.
• Actively participates in any required corporate and business line training in these areas.
• Follows account opening procedures and understands and follows internal suspicious activity referral requirements and processes, as required for this position.
• Actively works with customers to understand each customer’s normal account activity, as appropriate for this position.

Requirements

REQUIRED SKILLS AND ABILITIES:

• Computer skills to include use of Microsoft Office products and other programs as required.
• Excellent written and verbal communication skills, attention to detail and follow-through.
• Demonstrated leadership skills and ability to foster and sustain collaborative work relationships within the bank.
• Requires strong relationship management and business development abilities, and well-developed analytical and problem-solving skills.
• Must possess a broad knowledge of bank products and services that result in successfully capitalizing on all opportunities.
• Dedication to teamwork and long-term commitment to success.

Education/Licenses/Work Experience:

• Bachelor’s degree and five to seven years of commercial lending experience.
• Broad knowledge and experience in banking operations, products, and services.

Work Environment

• Standard office environment with a moderate noise level.

Physical Demands

The work environment characteristics and physical requirements described here are representative of those which an employee in this position encounters while performing the essential functions of this position. Reasonable accommodation may be made to enable individuals with disabilities to perform essential functions.

• Prolonged periods sitting at a desk and working on a computer.
• Remain in a stationary position for sustained periods of time.
• Occasionally move about inside the office to access filing cabinets and/or other office machinery.
• Occasionally required to raise objects up to 25 pounds from a lower to a higher position, move objects horizontally from position to position with, and/or bend body downward and forward, and/or extend hands and/or arms in any direction to access files and/or other office machinery.
• Consistent use of a computer and/or other office machinery is required, such as a keyboard, calculator, copy machine, scan machine, and/or computer printer.
• Making substantial and repetitive movements (motions) of the wrists, hands, and/or fingers.
• Close visual acuity is required to perform activities including, but not limited to, preparing and analyzing data and figures, transcribing, viewing a computer terminal, and/or extensive reading.
• Regularly required to communicate verbally with employees, clients, and vendors.