Portfolio Relationship Manager

Job Summary

The Portfolio Relationship Manager owns primary responsibility for the underwriting quality, portfolio administration, the credit quality of the assigned portfolio, and working directly with Account officers. 

Essential Job Functions

• Responsible for the credit and monitoring of portfolio risks
• Working directly with account officers and team members to effectively grow fees, deposits, and portfolio revenue by presenting financial solutions to customers.
• Conducts preliminary evaluation and underwriting of loan proposals terms sheets. 
• Contribute to the Team’s overall meeting and/or exceeding the assigned volume/production goals
• Identify and recommend changes and enhancements to the Bank’s lending policies and procedures to best serve the current market needs
• Responsible for the full cycle of loan requests process. Provide financial analysis, obtain data to prepare a term sheet, and write proposals to expand the lending business.
• Requests all third party appraisals, environmental reports, and ensures all are within compliance.
• Identify areas of concern pertaining to a loan and discuss with Account officers
• Primary liaison with the Credit Department on loans submitted, prepare risk rating change proposal and facilitate the loan approval.
• Primary contact for coordinating information between client and internal departments in the loan process.
• Responsible for communication and finalizing loan closing.
• Responsible for overseeing renewals, document tickler and covenant tracking of loans.
• Monitor loan documentation exception reports and follow-up to clear up document exceptions in a timely manner.
• Monitor financial statement exception reports and follow-up to clear up financial statement exceptions in a timely manner.
• Works closely with Account Officers to manage maturing and re-price loans and identify new business opportunities.
• Troubleshoot, report, and manage activity on delinquent accounts at the various intervals
• Generate and provide requested reports as necessary on Team’s loan portfolio
• Participate in team sales calls and attend external events and activities in a business development role.

Qualifications/Requirements

• Minimum of five (5) years of experience working in a Banking environment with emphasis on credit area required.
• Prior working experience with loan underwriting is required.
• Formal credit training is required.
• Ability to analyze financial and project statement, corporate and personal tax returns.
• Understanding of basic loan structure processes and regulations associated with lending
• Strong understanding of loan documentation criteria
• Excellent verbal and written communication skills;
• Proficiency with Microsoft Office Suite (Word, Excel, Powerpoint)
• Excellent interpersonal, customer relations and sales skills
• Ability to demonstrate being a self-starter, well-organized, detail-oriented
• Strong team work ethics is required
• Ability to converse and exchange information with all levels of staff within organization.
• Ability to observe, perceive, identify, and translate data
• Ability to work well independently and in a fast-paced environment
• Travel within the local market may be necessary

Physical Requirements:

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 occasionally required to:

• stand; walk; sit; use hands to finger, handle, or feel objects, tools or controls; reach with hands and arms; climb stairs; balance; stoop, kneel, crouch or crawl; talk to hear.
• The employee must occasionally lift and/or move up to 25 pounds.

While performing the duties of this job, the employee is not exposed to weather conditions. The noise level in the work environment is usually moderate.