At Emprise Bank, everything we do is focused on empowering the neighborhoods, businesses, and people in our communities to thrive. We proudly work to provide extraordinary customer service and products to help our customers achieve their goals.
We are seeking a highly experienced and motivated Portfolio Manager to join our team in Kansas City, Missouri. The ideal candidate will bring a deep understanding of commercial lending, portfolio management, and credit analysis, combined with strong leadership and relationship management skills. This role is pivotal in managing and monitoring our commercial loan portfolio, ensuring compliance with credit policies, and driving client satisfaction.
A successful candidate will have:
- Strong attention to detail and time management skills
- Confident and articulate communication skills
- Problem resolution and critical thinking skills
- Proven experience and confidence in making sound business decisions
- Strong business acumen regarding risk tolerance
- Exemplary customer service experience
- Ability to effectively build and maintain relationships with Emprise associates, customers, and vendors
- An understanding of and commitment to our values
- Attitude and aptitude to engage in continuous development
Essential functions of the role:
Portfolio Management
- Perform activities and conduct due diligence to manage and monitor commercial relationships
- Collect financial information and manage annual review/renewals on existing credits
- Monitor credits, including interim financial statement review and borrowing base validations
- Underwrite credit applications, evaluate collateral positions, and monitor trends
- Modify terms and restructure loans as necessary to ensure adherence to documentation and monitoring requirements
- Identify and resolve credit weaknesses that affect the current or future likelihood of repayment
- Ensure appropriate pricing for credit risk incurred and review various system reports and evaluation tools for credit deterioration trends and potential sales opportunities
- Perform customer segmentation and business trend analysis, and develop business presentations for management evaluation
- Analyze customer behavior to aid in product and service decision-making, including pricing and new product development
Relationship Management
- Maintain and manage direct communication with client segments to ensure high levels of client satisfaction
- Respond to client requests, seek resolution, and escalate issues as needed
- Demonstrate a thorough knowledge of the features and benefits of all bank products and services
- Assist in new client acquisition through the underwriting and approval process
- Identify potential new business opportunities and provide appropriate solutions, either directly to the client or through collaboration with Relationship Managers
- Maintain strong working relationships with other bank lines of business
- Support ongoing business relationships with an emphasis on high standards of personal service
- Provide broad, multi-product banking solutions to Relationship Managers
Leadership
- Demonstrate the ability to interact and cooperate with all associates
- Build trust, value others, communicate effectively, drive execution, foster innovation, focus on the client, collaborate with others, solve problems creatively, and demonstrate high integrity
- Maintain professional internal and external relationships that meet company core values
- Proactively establish and maintain effective working relationships with all support departments
- Adhere to all internal policies, procedures, and practices in support of the bank’s compliance with regulatory requirements
- Communicate with management and associates to integrate goals and activities
- Serve as a resource for associates assisting business clients
- Support special projects as needed
Underwriting
- Coordinate with Credit Analysis team to complete financial analysis
- Identify all risks in transactions, including but not limited to cash flow leverage, collateral adequacy, guarantor support, industry considerations, and regulatory compliance
- Make recommendations on pricing to ensure adequate return on shareholder equity
- Facilitate and participate in discussions with lenders and decision-makers to maintain sound credit standards while enabling reasonable loan growth
Other duties as assigned within the scope and responsibility of the job.
Minimum Requirements:
- Bachelor’s degree in business or a related discipline, or a combination of education and industry experience that meets the job requirements.
- Three plus years of banking experience in a growth-oriented commercial or corporate lending environment, with experience in portfolio management and/or underwriting.
- Thorough knowledge of credit policies, procedures, and terminology.
- Excellent presentation, verbal, and written communication skills.
- Proficiency with large server-based applications and typical desktop software.
In addition to a competitive salary and benefits, Emprise offers professional growth, a rewarding and challenging environment, opportunities to be involved in our communities, and a culture of integrity, passion, and success. We also offer shift differential pay for bilingual candidates!
At Emprise Bank, empowering people to thrive means having an all-inclusive culture that honors our commitment to all dimensions of diversity in our workforce and embraces inclusion of all people. People of color, women, LGBTQIA+, veterans, and persons with disabilities are encouraged to apply.
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