The Portfolio Manager works with Lenders, Credit Administration, Secured Lending, Compliance, Commercial Documentation, Commercial Loan Operations, Commercial Banking Platform Specialist and is responsible for the maintenance of loan files, records, and the preparation of various reports. Will be responsible for entering and maintaining data into our bank managed software. Request all third-party appraisals required and obtain reports while ensuring all is within compliance. Responsible for overseeing renewals and covenant tracking of loans. Generate and provide requested reports as necessary on team’s loan portfolio. Troubleshoot, report and manage activity on delinquent accounts at the various intervals. Work closely with Lender to manage maturing loans. Monitor financial statement exception reports and follow-up to clear up exceptions in a timely manner. Be a contact for the coordination of information between our customers and internal departments in the loan process.
Below is a list of essential job functions. Additional responsibilities may be assigned in the position.
PROVIDE ENHANCED CLIENT SERVICE
Help to expand, build and maintain relationships to provide an exceptional level of customer service. Find solutions to customer needs and concerns. Answers customer inquiries regarding payment amounts on accounts/loans and other credit information, and resolves associated problems. Provide support to Vice President of Commercial Services for ad-hoc projects and assignments.
FOSTER OUR CULTURE
Greet coworkers pleasantly and engage in welcoming and constructive conversations. Promote open and direct communication, focusing on finding solutions to meet the needs of our clients and peers. Seek opportunities to support volunteerism in local community events, increase the Bank’s outreach and foster new business. Meet and exceed customer satisfaction through the successful resolution of customer questions/concerns.
FOCUS ON ACCURACY AND ATTENTION TO DETAIL
Ensure adherence to credit policy, procedures, guidelines and regulatory requirements. Complete regulatory due diligence; conduct thorough review of corporate and collateral documentation, including organizational documents, flood determinations, appraisals, lien searches, title commitments and UCC records. Prepares term sheets and commitment letters for final review. Review loan documentation, both internally prepared and attorney prepared to ensure accuracy of the approved terms and conditions. Resolves problems related to content of documentation. Assists Lenders with past due reports/notices and with extension and/or modification of matured loans.
SEEK PROFESSIONAL DEVELOPMENT OPPORTUNITIES
Take advantage of various development opportunities by enrolling in webinars and Bank offered courses to help build knowledge of departmental processes. Training Tracks are designed to help you understand how your job impacts other areas of the bank, provide you tools to have effective conversations, and be successful in your new role. Annual, job-specific training opportunities are assigned and/or available for timely completion. Some travel may be required.
QUALIFICATIONS, EDUCATION, & EXPERIENCE
To perform this job successfully, an individual must be able to perform each essential job requirement satisfactorily and a skills inventory is listed below. Bachelor's degree (B.A.) from four-year college or university; two years or more of related commercial experience and/or training required. A criminal background check will be conducted. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
LANGUAGE SKILLS: Ability to read, comprehend, and interpret documents. Possesses professional communication and interpersonal skills to write and speak effectively both one-on-one and before groups of clients or employees of the organization. Ability to communicate to clients directly and effectively.
TECHNOLOGY SKILLS: Ability to use telephone systems and possess good computer skills including email, internet and intranet use. Prior experience or the ability to learn core transaction system, LoanVantage, Microsoft Office and any other computer programs pertinent to performing job duties.
MATHEMATICAL SKILLS: Ability to add, subtract, multiply, and divide in all units of measure. Ability to compute rate, ratio, and percent.
REASONING ABILITY: Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to solve challenging problems involving several variables in a standardized situation.
PHYSICAL DEMANDS AND WORK ENVIRONMENT: The physical demands and work environment described here are representative of those that must be met by an employee to optimally perform the essential functions of this job.
This position operates in a professional office environment with considerable time spent at a desk using office equipment such as computers, phones, and printers. Noise level is moderate with constant communication and interactions with others. Ability to travel on occasion to all market areas and attend seminars or training sessions offsite.
BENEFITS
- Medical, Dental, Vision & Life Insurance
- 401K with company match and profit-sharing program
- Paid Time Off & Recognized Holidays
- Leave policies
- Voluntary Benefit Options (Life, Accident, Critical Illness, Hospital Indemnity & Pet)
- Employee Assistance Program
- Employee Health & Wellness Program
- Special Loan and Deposit Rates
- Gradifi Student Loan Paydown Plan
- Rewards & Recognition Programs and much more!
Eligibility requirements apply.
FCBank is an equal opportunity employer and all applicants are considered based on qualifications without regard to sex, race, color, ancestry, religious creed, national origin, sexual orientation, gender identity, physical disability, mental disability, age, marital status, disabled veteran or Vietnam era veteran status. CNB Financial Corporation is an Affirmative Action Employer and is committed to fostering, cultivating and preserving a culture of diversity and inclusion.
