What are the responsibilities and job description for the Small Business Portfolio Manager I position at Emprise Bank?
At Emprise Bank, everything we do is focused on empowering people to thrive. We proudly work to provide an extraordinary customer experience to help our customers achieve their goals.
The Small Business Portfolio Manager I is responsible for administrative, technical, and professional work within the ERM function. This position is responsible for portfolio management, relationship management and leadership on all commercial relationships between $100,000 and $500,000.
A successful candidate will have:
- Strong business acumen
- Strong attention to detail and time management skills
- Confident and articulate communication skills, both verbally and written
- Initiative and strong work ethic
- Ability to effectively build and maintain relationships with Emprise associates, vendors, professional contacts, and customers
- Credibility to provide reliable and accurate financial information for recommendations
- An understanding of and commitment to our values
Essential functions of the role:
Underwriting
- Review and evaluate loan applications (Small Business/Retail) following industry and business standards
- This includes the gathering, analysis, and interpretation of all types of credit/collateral information for existing and prospective banking customers in order to maximize credit, minimize risk/potential loss
- Preparation of Credit Memorandums supporting/documenting the disposition of applications under consideration to be approved within designated ILA and/or for management review/consideration
Portfolio Management
- Perform activities and conduct due diligence to manage and monitor commercial lending relationships including line renewals; line reviews; term loan renewals and collateral management
- Monitor and manage portfolio activities individually and/or jointly with Relationship Manager and other ERM functions
- Recommend and implement to credit to resolve credit or collateral weaknesses that affect the current or future likelihood of repayment
Compliance
- Adhere to all regulations regarding underwriting and reporting
- Stay abreast of new developments
- compile data and draft documents or reports as requested or necessary for the efficient administration of business
Business Banking Liaison
- Provide ongoing assistance for Business Banking to aid in the development of credit-related skills including underwriting standards, credit analysis and appropriate structuring of loan requests
SBA Underwriting/Analysis
- Responsible for the Underwriting/Analysis for SBA Loan requests within established procedural limits
- Act as Portfolio Manager directing SBA loan process as required. Point of contact and subject matter expert regarding SBA policies, loan analysis, credit documentation, and origination
Leadership
- Assist with daily mentoring of less experienced underwriters
Relationship Building
- Build rapport up, down and across the organization
- Establish collaborative relationships to achieve objectives
- Seek win-win solutions to conflict
- Develops network of professional contacts
- Displays empathy and tolerates diverse viewpoints.
Other duties as assigned within the scope and responsibility of the job
Requirements
- Bachelor’s degree in accounting, business or finance, or Level of education that, together with industry experience, enables the applicant to meet the job requirements.
- Minimum of three years overall banking experience required in growth-oriented commercial or consumer lending environment with experience in portfolio management and/or underwriting
- Two years Underwriting experience required. Minimum of two years of Underwriting experience related to commercial/consumer lending.
- Excellent presentation, verbal, and written communication skills.
- Proficiency with large server-based applications and typical desktop software
Benefits
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.
To learn more, please visit our website at www.emprisebank.com.
Emprise Bank is an EEO/AA/ADA/Veteran Employer/Member FDIC/Drug Free Workplace.
Emprise Bank participates in E-Verify and will provide your Form-I 9 to the federal government to confirm authorization to work in the United States.
Salary : $100,000 - $500,000
