Description
Position Purpose: Manages and administers a portfolio of commercial loans, ensuring asset quality, compliance, and strong client relationships, working closely with Commercial Loan Officers and Credit Officers.
What you’ll do
Prepare accurate and timely financial statement spreads
Underwrites commercial new loan and line renewals; analyzes financial statements, tax returns, cash flows, and industry data for C&I, CRE, and SBA loans
Assist in structuring new credit requests adhering to policy: develops appropriate loan terms, covenants, pricing
Conducts an annual evaluation of relationships within portfolio
Monitors portfolio delinquency and assists commercial lenders with calling on existing clients for payments up to 30 days past due
Responsible for monitoring, creating, and updating required financial reporting
Evaluate existing credit relationships and assign/affirm/request the appropriate risk rating based on the assessment of risk concluded through the analysis process
Coordinate approval process with Credit department and in Loan officer’s absence present to approval committee
Review and edit commitment letters ensuring accuracy between commitment letters and approval
Leads at minimum monthly (or as needed) portfolio management meetings with Lenders and lending assistants
Stay well-versed in current economic market trends to provide timely and relevant insights.
Assume additional responsibilities, as requested
Requirements
Where you’ll shine
Bachelor’s degree or equivalent education/work experience
Excellent oral and written communication skills
Ability to analyze personal and business financial statements and tax returns
Demonstrates a comprehensive understanding of accounting principles and financial management
Strong working knowledge of Microsoft Office
Progressive level of lending experience
Other Requirements:
Attend seminars/schools required by management
Where we shine
Offering a full suite of benefits including medical, life, dental, and vision insurance plus generous paid time off
Supporting associates and their families; we embrace the importance of caring for oneself and our families
Surrounding ourselves with smart, driven, and diverse individuals
Valuing diversity, commitment in regard to our daily duties, and the Bank as a whole
Supporting local philanthropic, cultural, and artistic initiatives and organizations that our employees value
Devoted to the communities in which we serve as we help those who form the creative backbone of our market’s future economy and business value
Working Conditions:
The individual will be required to be available after normal working hours. Business travel may be necessary to meet with vendors and attend training opportunities.
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed under the knowledge/skills section are representative of the knowledge, skill set, and/or ability required. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions
EEO M/F/V/D