Credit Portfolio Manager

Overview

Provide exceptional credit support to the Commercial Lending team, CCO, Credit Officer and Credit Manager by preparing analyses and credit approval presentations.

Responsibilities

The following is a list of essential functions, which may be subject to change at any time and without advance notice. Management may assign new duties, reassign existing duties, or eliminate a function.

• Work with Credit Manager, Credit Officer and CCO to ensure consistent and accurate credit analysis and loan presentations.
  • Prepare financial statement spreads and perform comprehensive analysis of cash flow
  • Evaluate individual personal financial statements, tax returns, and prepare global cash flows
  • Verify compliance with credit policy, applicable regulations and lending procedures
  • Conduct industry and market analysis to identify risks and risk mitigating factors
• Prepare analysis and approval memo for more complex loan requests, reviews and renewals.
• When appropriate, recommend actions such as approval, structural change, or decline.
• Work with lenders to provide timely response and turnaround by monitoring and prioritizing pipeline.
• Work to ensure the appropriate level of analysis is completed in a timely manner for all requests.
• Develop, train, and coach less experienced Credit Analysts and Senior Credit Analysts.
• Work with new, existing and troubled commercial lending relationships in understanding and analyzing cash flows, balance sheet, risks and overall strength and weaknesses of loans and requests.
• Perform collateral valuations, and provide loan structure and covenant recommendations
• Assist in developing "best in class" Credit Administration Loan Policy and procedure manuals.
• Provide support for Special Assets Group and prepare quarterly loan impairment analysis as assigned.

Qualifications

Education and Experience

• BA or BS in Accounting, Finance, Economics or related field required OR equivalent experience
• Minimum 3-5 years' experience in credit analysis

Skills and Competencies

• Extensive experience in analyzing complex financial statements and tax returns.
• Comprehensive knowledge of commercial lending, including loan structure, covenant, and risk analysis.
• Extensive knowledge of collateral valuation methods.
• Exceptional verbal and written communication skills.
• Exceptional organization / time management skills.
• Proficiency with Microsoft Office and able to quickly master the bank's technology and systems.
• Excellent communication and interpersonal skills with the ability to interact with all levels of personnel.
• Demonstrate professionalism in appearance, punctuality, attitude, and grammar. Maintain a clean, organized work area.
• Demonstrated analytical and quantitative skills, with prior knowledge of accounting principles.
• An ability to balance priorities and exhibit organizational skills to manage both individual and multiple team priorities while meeting Service Level Agreements.
• Ability to interact effectively with other bank personnel across functional lines.
• Ability to articulate bank strategies and customer service philosophy.
• Excellent decision-making skills.
• Ability to multi-task in highly demanding environment.
• Efficient, high quality producer, with attention to detail.
• Good judgment & analytical skills with the ability to remain focused & work independently.
• Must be able to process constructive feedback & remain even tempered
• Ability to drive, with a valid driver's license, to travel between offices and/or attend sales calls and customer visits.