Portfolio Manager

JOB SUMMARY

Makes and services all types of business and individual loans and lines of credit. Establish a strategic outline to develop business operating/depository accounts with the Bank. Calls on existing customers to retain business and promote additional Bank services. Provides financial counsel to current prospective customers. Represents the Bank at various civic and community functions to further enhance its image and develop additional business. Develop a significant referral network to enhance operation of deposit and loan relationship to CBC.

PRIMARY FUNCTIONS (Other duties may be assigned)

Maintain a portfolio of commercial real estate and C& I loans and ensure that credit granted on a sound and constructive basis that minimizes risk and provides an adequate return for the Bank.

Solicit new relationships through various channels for deposit and loan opportunities.

Process credit application for new business; complete applications; meet with Credit Administration to approve, reject and re-structure loans.

Recognize and act on customer prospects; cross sell opportunities with existing customers.

Review appraisal, environmental, and title reports to determine reliability and support for credit request.

Make proper referral of loan opportunities to lending personnel.

Actively be involved in Bank's Business Development Program.

Enhancing the image and recognition of the Bank in the business and professional community.

Works closely with staff in structuring, analyzing and approving commercial business loans.

Promote a team atmosphere and coordinate with other personnel in the management of shared account relationships.

Manages production goals and controls income and expenses.

Makes decisions on administrative and operational matters pertaining to deposits and lending.

Complete weekly updates of Pipeline Report to ensure accurate tracking and status of lending deals within loan pipeline; monitor loan portfolio and ticklers.

Track monthly borrowing base certificates; track revolving lines of credits for valid maturity dates; renew or extend subject lines for client use.

Trouble-shoot loan account issues with Operations, Wire, New Accounts and Note Departments

QUALIFICATIONS:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION AND/OR EXPERIENCE:

Bachelor's degree (B. A.) from four-year college or university; or 5+ years related experience and/or training; or equivalent combination of education and experience

Knowledge of:

• All areas of business lending and inventory financing
• Credit structure - all forms
• Business development
• Commercial deposits

Abilities:

• Possess strong sales and marketing ability to sell Bank Services.
• Manage priorities to ensure effective accomplishment of objectives.
• Handle strong volume of work flow from various sources.

LICENSES; CERTIFICATES; SPECIAL REQUIREMENTS:

None