What are the responsibilities and job description for the Portfolio Manager II position at Cadence Bank?
DescriptionQualifications
Behaviors
Motivations
Education
We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, age, sex, sexual orientation, gender identity, disability, veteran status, genetic information or any other status protected under applicable local, state or federal nondiscrimination laws.
What The Role Is
The Portfolio Manager has a primary responsibility to underwrite, structure, document and monitor an assigned portfolio of commercial loans, under the supervision of the Commercial Loan Division Manager or Senior Portfolio Manager and in partnership with credit, appraisal and loan operations department, credit administration and lending administration. The Portfolio Manager also acts as an extension of the relationship team and shares the responsibility for developing team solutions for credit, deposit and no-credit products and services.
How You will Make an Impact
Credit Approval Process:
- Assists in the preparation of credit requests including new originations, renewals, modifications, and prospect briefings.
- Under the direction of the Senior Portfolio Manager, ensures completeness and accuracy of approval documentation in the loan approval, prospect, renewal and modification processes.
- Evaluates, structures, quality, integrity and soundness of all financial analysis.
- Assists in completion of all credit request package documents, such as assignment of risk ratings, financial analysis, industry analysis, relationship summary, pricing model and other required documents needed for loan approval.
- Underwrites companies with risk exposure or potential risk exposure to the bank.
- Completes approval and commitment process (e.g. Committees) ensuring accuracy of approval documents, compliance with Credit Policy and accuracy of documents and supporting exhibits.
- Works with Relationship Managers and clients negotiating and communicating final deal structure and terms.
Client Interaction:
- Communicates final deal structure, pricing, terms and conditions to client and Sales team maintaining integrity of formal Committee Approvals.
- Frequently visits clients and reviews client performance and financials.
- Serves as primary liaison for client prospects; interacts in-person and via phone with existing customers, potential customers and Corporate Banking Sales teams on a routine basis.
- May be responsible for identifying cross-sell opportunities.
Portfolio Management and Review Processes:
- Provide guidance and mentoring to credit analysts in the underwriting process as well as lending assistants in the booking and maintenance of the relationships on the loan system.
- Authenticates all post loan closing activities, including conditions precedent to closing, are accurate and complete.
- Monitor, review and ensure compliance on loan covenants, borrowing base certificates, and other loan documentation and requirements.
- Follow up and clear any exceptions on any loans in assigned portfolio.
- Proactively manages credit risk and exposure for an assigned portfolio including early detection of volatile industries and markets for assigned portfolios within designated regions, initiating credit modifications and risk upgrading/downgrading.
- Responsible for formal credit review processes such as monitoring as well as Credit File reviews, Audits, Compliance Reviews, ongoing as well as required periodic reviews.
Reviews assigned portfolio and related files for accuracy and completeness all formal loan documentation, comments
Behaviors
Detail Oriented - Capable of carrying out a given task with all details necessary to get the task done well
Motivations
Goal Completion - Inspired to perform well by the completion of tasks
Education
Bachelors of Finance (required)
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)
We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, age, sex, sexual orientation, gender identity, disability, veteran status, genetic information or any other status protected under applicable local, state or federal nondiscrimination laws.
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