Portfolio Manager

Job Overview
The primary responsibility of this position is to monitor and take appropriate action in the consumer loan portfolio. Responsibility would also include: continuous examination of the products, evaluate effectiveness of established procedures and recommendation of policy updates.

Critical features of this job are described under the headings below. They may be subject to change at any time due to reasonable accommodation or other reasons.

Requirement and Skills:

• Reviews the delinquent loan status for the financial institution, and implementing action by contacting those delinquent account holders through telephone calls, letters and personal visits
• Oversight on servicing guidelines established by the financial institution
• Provide exceptional customer service to both internal and external customers
• Works with other departments within the financial institution regarding litigation, repossession and foreclosure activities providing direction accordingly
• Reviews payment lists, maintains departmental files and prepares paperwork on debits, credits and other payments
• Contacts credit bureaus for customer credit reports, checks customer references, updates address and emails and gathers additional information as necessary
• Oversight of payments and ensuring they are properly credited or applied to customer accounts
• Prepares reports on the status of delinquent account and collection activities undertaken by the financial institution
• Review consumer portfolio files to ensure the completeness of the file

Education/Experience:

• High school diploma or general education degree (GED); and three to five years of related experience and/or training; or equivalent combination of education and experience.
• Degree from a college or university, preferred.

Desired Skills and Competencies:

• Strong communication skills, both written and verbal.
• Proficiency in using Microsoft Word, Excel and Outlook.
• Ability to multitask and work in a fast-paced environment while maintaining attention to detail.
• Problem-solving skills and the ability to think critically to resolve customer issues.
• Strong interpersonal skills and a customer-centric attitude.
• Knowledge of loan products and services is advantageous but not mandatory, training will be provided.
• Works independently and as a member of a team.

Physical Requirements:

• Prolonged periods of sitting at a desk and working on a computer.
• Must be able to lift up to 15 pounds at a time.

Each 22nd State Bank employee must comply with all federal and state regulations, policies, and procedures. This is to include all applicable governmental laws, rules and regulations relevant to their job including all Bank Secrecy Act regulations.

Job Type: Full-time

Benefits:

• 401(k) matching
• Dental insurance
• Health insurance
• Life insurance
• Paid time off
• Vision insurance

Schedule:

• 8 hour shift
• Monday to Friday

Work Location: In person