What are the responsibilities and job description for the Loan Portfolio Officer position at Citizens Alliance Bank?
Position Summary:
The Loan Portfolio Officer is responsible for underwriting, credit monitoring, and managing the Bank’s various loan portfolios to achieve efficiency and quality of the process and related lending products and services. This position will be responsible for working with Credit Administration and the SVP/Loan Officer IV on loan analysis, loan structure and terms, collateral management, credit administration, title work, leading loan requests through the credit approval process, and assisting with the overall portfolio management.
The Loan Portfolio Officer will be responsible for on-going portfolio maintenance activities, manage a portfolio of complex credits and will perform the functions of the position with oversight from the SVP/Loan Officer IV.
The level of this position is based on years of service, education and/or equivalent experience, knowledge level and skill set.
Essential Functions:
To perform this job successfully, an individual must be able to perform each Essential Function and Skill satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.
- Act as the technical expert on the Bank’s loan portfolios.
- Underwrite and compile credit memos.
- Be responsible for collateral management.
- Order title work and appraisal requests and reviews.
- Work with Loan Officers to assist with client relationships.
- Effectively communicate with Loan Officers and customers.
- Conduct all aspects involved with managing portfolios, including digital engagement, maintaining the portfolio’s, document review and account activities.
- Support revenue growth by assisting with management plans, credit, and deposit goals.
- Possess knowledge of fiduciary and financial products and services.
- Provide financial analysis to maximize profitability.
- Possess a thorough understanding of the terms and conditions under which the loans should be presented and closed.
- Provide loan structure guidance and apply analysis assistance to mitigate risks in relationships consistent with loan policies.
- This position requires a valid Driver’s License.
- All employees are expected to exemplify and follow our core values.
- Regular attendance and punctuality when reporting to work.
- Travel for trade and industry schools and seminars as needed.
- This position may require installation of a Multi-Factor Authentication (MFA) app on an employee’s personal mobile device. THE MFA apps are used to authenticate a user’s identity to the system for security purposes.
- Adhere to and comply with all applicable, federal, and state laws, regulations, and guidance, including those related to BSA/AML, as well as adhere to the Bank’s policies and procedures.
- Perform other duties as assigned and requested.
Core Values
Humility - We are “blue-collar bankers”. We are relatable, down-to-earth people who greet our smallest customer the same way we greet our largest.
Respectful, Genuine Care for Others - We care about each other, we care about our customers, and we care about our communities.
Finds A Way - This simply put, is nothing more than attitude. It’s a can-do spirit, a desire to help, to contribute, to go above and beyond, and to make a difference.
Effort - We expect a lot of ourselves and hold ourselves to a high standard. We are not entitled, and we need to earn it from our customers and each other every day.
Owning-It - Owning-It or Accountability is a big word that can encompass a great many things. For Citizens Alliance Bank, it’s about ownership. When an employee says they will do something, they follow through and get it done.
Education and Experience:
Required - High School diploma or GED.
Required – Four-year bachelor’s degree in related field.
Required – 0 to 5 years of progressive commercial and agricultural lending experience.
Required - Continuing Education to maintain job knowledge and proficiency.
Preferred - 0 to 5 years of customer service experience.
Preferred - Proficiency in Microsoft Office Suites, familiarity with loan documentation and boarding software.
Citizens Alliance Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, age, religion, gender, sexual preference or orientation, gender identity, gender expression, national origin, disability, veteran status and all other protected classes.
