The Role
Manages commercial loan portfolios, underwriting, credit risk monitoring, loan documentation, renewals, covenant tracking, exception resolution, and delinquency activity. Partners with account officers and internal credit teams to evaluate loan proposals, prepare financial analyses and risk ratings, facilitate approvals and closings, and identify business opportunities. Supports portfolio revenue growth, lending policy enhancements, reporting, and customer relationship development.
Summary Generated by Built In
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
Skills Required
- Minimum five years of experience in a banking environment with emphasis on credit
- Prior loan underwriting experience
- Formal credit training
- Ability to analyze financial and project statements, corporate tax returns, and personal tax returns
- Understanding of basic loan structure processes and lending regulations
- Strong understanding of loan documentation criteria
- Excellent verbal and written communication skills
- Proficiency with Microsoft Office Suite, including Word, Excel, and PowerPoint
- Excellent interpersonal, customer relations, and sales skills
- Self-starter, well-organized, and detail-oriented
- Strong teamwork ethics
- Ability to communicate with staff at all organizational levels
- Ability to observe, perceive, identify, and translate data
- Ability to work independently in a fast-paced environment
- Ability to travel within the local market
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The Company
What We Do
GBC International Bank is a community-focused business bank serving customers in California and the Pacific Northwest. It provides business and personal banking alongside specialized lending, including SBA and export-import financing, international trade services, and commercial real estate financing. The bank emphasizes helping small companies navigate complex banking and lending needs through local expertise and tailored financial solutions, with a mission to simplify banking and enable customer success.
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