Commercial Portfolio Manager III

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Here, you'll be supported by unique initiatives like our Dream Manager program, one-on-one guidance from a nationally certified health and wellness coach, and free access to certified financial professionals who are here to help you plan for your future. If you're looking for a career that empowers you to make meaningful connections, positively impact others, and pursue your personal and professional dreams-we'd love to meet you.

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Daily management of assigned commercial loan relationships for Commercial Relationship Banker's (CRB’s), including providing a high level of customer support, obtaining financial and collateral information, monitoring covenant and borrowing base compliance, taking ownership of managing CRB exception lists, assisting in the preparation of the credit approval packages, preparation of term sheets and commitment letters, and documenting and closing requests by performing the following duties.

• Serves as a client relationship representative to all customers by listening, researching, and providing complaint/inquiry resolution as needed.
• Provides strong levels of support with minimum supervision to CRBs and the entire lending team on commercial relationships.
• Ensures compliance with legal, regulatory and credit policies on loan documentation, credit approvals and funding, correcting exceptions, and monitoring resolutions.
• Coordinates credit underwriting process and works with Senior Credit Officers on preparation of credit approval packages.
• Monitors loan agreement covenants and borrowing base compliance, as well as report exceptions.
• Ensures ongoing timely receipt of financial information consistent with bank policy.
• Proactively ensures expiring credit facilities are re-underwritten and appropriately re-established.
• Assists in drafting loan agreements, term sheets, commitment letters, and closing instructions to counsel, as requested by CRBs.
• Consults with Relationship Managers and Credit to make recommendations on risk ratings.
• Reviews equipment and real estate appraisals in conjunction with Relationship Managers.
• Assists with Watch List credits (prepares CARs; communicates with customers regarding reducing credit exposure, paying off or refinancing notes, or rehabbing operational and financial results).
• Develops and administers pre-credit analysis function on credit relationships.
• Assists relationship managers in structuring credits, assessing covenants, and monitoring procedures.
• Performs loan reviews/annual reviews on selected borrowers and guarantors for credit relationships.
• Inputs loan requests and supporting information into loan processing software.
• Identifies and follows up on specific leads offering business development opportunities, promoting the bank’s services (including investment and insurance referrals), placing the prospect in contact with the appropriate bank personnel and following through to determine the results of the meeting.
• Judges potential qualified clients/deals, structuring deals to balance risk and reward, recognizing early warning signs and closely monitoring clients to anticipate changes in risk rating. Proactively identifies issues and restructures relationship to mitigate potential future risk.
• Oversees and ensures safe and sound underwriting/credit practices and provides leadership to ensure sound lending activities.
• Assists with market analytics to develop reports to be used across the bank.
• Compiles and analyzes market loan portfolio data.
• Helps in some parts of the annual budgeting process (i.e. estimated unused/admin fee income, quarterly Watch List balance projections).
• Participates in special projects and assignments for Market President.
• If supervising others:
  • Delegates new loan opportunities, loan renewals, and annual renewals.
  • Provides guidance in the preparation of credit packages.
  • Monitors workflow to ensure loan packages are being completed thoroughly and submitted to Credit in a timely fashion.
• Maintains an active role in community affairs by participation in community organizations/projects to improve the bank’s visibility in the area and enhance business opportunities.

May supervise employees of the Lending team such as Commercial Portfolio Managers. Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities may include and training employees; planning, assigning, and directing work; appraising performance in…