Commercial Portfolio Manager supports the portfolio growth by managing clients through the various stages of the lending process. Provides ongoing monitoring of assigned portfolios to ensure asset quality and customer service standards are met. The Commercial Portfolio Manager allows the assigned loan officers to dedicate more time to sales efforts and business development. Key responsibilities of the position include screening, structuring, underwriting, and monitoring commercial relationships while adhering to the standards and policies set by the bank.

Essential Duties and Responsibilities

• Performs initial screening and underwriting of new lending opportunities developed by the commercial lender.
• Prepares memorandum and facilitates the initial underwriting of new transactions and/or renewals.
• Works directly with other internal departments including commercial credit analysts, appraisal services group and loan administration.
• Ensures adherence to credit policy, guidelines and regulatory requirements.
• In some markets, perform in-house appraisals and inspections on collateral.
• Assists in the lending and sales process by accompanying the lenders on customer and prospect calls when necessary.
• Responsible for ongoing portfolio review of past dues, exceptions and maturing loan reports.
  • Reports past dues to officer or makes contact to collect payment
  • Works with officer to collect items needed for renewal processing
  • Makes appropriate recommendations for these accounts
  • Reports deteriorating credit situations to officer
  • Handles escalated exceptions
• Ensures funding of construction loan disbursements in accordance with bank policy. Works closely with borrower, CCFG, title companies and other third parties to ensure accurate disbursements with ongoing monitoring and record keeping.
• Participates in evaluating risk rating and makes revision recommendations. Prepare Discussion Term Sheet

• Ensures all departmental documents and activities are performed in compliance with applicable laws, regulations, policies and procedures as applicable to this position, including completion of required compliance training.
• Performs other duties and responsibilities as assigned.

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.

Skills

• Ability to read and interpret documents such as procedure manuals, general business correspondence and/or journals or government regulations
• Ability to read, analyze and interpret financial report and/or legal documents.
• Ability to write routine reports and business correspondence
• Ability to respond in writing to customer complaints, regulatory agencies or members of the business community
• Ability to effectively present information in one-on-one and small group situations, to customers, clients and other employees in the organization
• Ability to effectively present information and respond to questions from groups of managers, clients, customers and the general public and/or boards of directors

Education and/or Experience

• BS/BA Degree in applicable field of study or
• 1-2 years' prior applicable experience.

Computer Skills

• MS Office programs

Certificates, Licenses, Registrations

• None

Other

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Activities, duties and responsibilities may change at any time with or without notice.

Skills Training:

• Communication, Critical Thinking, Problem Solving,
• Time Management, Sales, Presentation Skills