Portfolio Manager

This position reports to Chief Lender

Basic Function:

Responsible for assisting in the origination and underwriting of commercial loans, construction loans and owner-occupied commercial real estate applications and responsible for managing client relationships. 

Essential Duties

1. Evaluate, underwrite and assist with closing commercial loans, construction loans and owner-occupied commercial real estate loans 

• Analyze loan data on new, renewal and existing loans, including data provided by credit bureaus, agent banks, borrowers and Bank credit files 
• Prepare spreadsheets, reports, summaries and opinions for loan officers on new, renewal and existing loans 
• Perform credit inquiries for the Bank as requested 
• Establish, review and update new and existing credit files on a regular basis 
• Provide technical advice and assistance to Lender as needed 
• Work with Lender on proposals 
• Prepare loan approval presentations and annual financial statement reviews
• Work with Loan Operations and/or attorneys to generate and review (for accuracy) documents and coordinate loan closings 

1.  Management of client relationships 

• Negotiate loan extensions and renewals 
• Respond to client inquiries 
• Request and review updated financial and operating information.  Confirm or recommend loan grade changes based on analysis performed 
• Covenant compliance testing 
• Update loan files 
• Assist in preparation of Watch Report, Board Reports and other reporting as needed 
• Work with Loan Operations and Deposit Operations to resolve client issues 
• Fund draw requests 
• Work with Treasury Management to meet the clients’ cash management needs 
• Monitor and address past due loans and overdrawn deposit accounts 

1. Additional departmental duties 

• Attend department meetings 
• Attend Management Loan Committee and Director’s Loan Committee meetings 
• Attend Bank Officer meetings 
• Review information on market trends in commercial lending 
• Maintain knowledge of underwriting and Loan Policy guidelines 
• Attend training as required 

1. Participation in CRA activities 

1. Participation in networking events