Loan Portfolio Manager

Great employees are essential to maintaining the confidence our customers place in us. FGB believes that our employees are our greatest asset as demonstrated in their professionalism and dedication. We encourage open communication and strive to cultivate an environment in which our employees will contribute new ideas and innovations that will help us excel. As we grow, we want YOU to join our team to help fulfill our mission of serving the banking needs in our local communities.

Our full-time employees are eligible for amazing benefits including medical, dental, vision, and basic life/AD&D insurance, prescription drug benefits, long term disability, and salary continuance (short-term disability). In addition, they get paid holidays, paid vacation and sick leave, a tuition reimbursement program, 401k, section 125 cafeteria plan, and the opportunity to earn FGB stock grants. Apply today to enjoy these benefits and more!

Position Summary

The Portfolio Manager is responsible for supporting a portfolio of business and servicing prospective and current clients to produce and maintain a variety of commercial loans, as well as generating and managing corresponding relationships.  Key responsibilities include working with customers and Bank personnel to underwrite, structure and document quality loans per bank policy, and to assist in offering other appropriate services provided by the bank. Incumbents will also address client questions during the lending process.

Essential Duties and Responsibilities

1.  Underwrite new transactions and document renewals, modifications and covenant violations.
2.  Ensure adherence to Credit policy, guidelines and regulatory requirements.
3.  Perform loan document negotiations.
4.  Support the growth and development of the assigned commercial lending loan portfolio by effectively managing client portfolios.
5.  Effectively monitor portfolio for revenue opportunities and/or loan exposures.
6.  Responsible for credit analysis, proper loan structuring and overall sales efforts in area.
7.  Assist in sales and/or customer-oriented projects.
8.  Establish and maintain relationships with current and prospective clients. Leverage customer knowledge to proactively identify and recommend opportunities to cross-sell additional loan and non-credit products to clients.
9.  Manage loans through the lending process and present loan requests and renewals to Senior Management and/or Loan Committee.
10.  Complete all requirements of loan bookings, to include preparation, review, documentation and filing.
11.  Work with clients to modify and/or restructure existing loans as needed.
12.  Underwrite new loans, renewals, extensions and modifications.
13.  Help resolve credit problems, delinquent payment issues, and other related affairs.
14.  Review current account status, to include but not limited to, Past Due accounts and Notes Matured.
    1.  Make appropriate recommendations for these accounts.
15.  Monitor portfolio loan exposure including review of monthly maturity reports, daily overdraft activity reports and weekly past dues reports.
16.  Report deteriorating credit situations in a timely manner.
17.  Participate in evaluating risk rating and make revision recommendations.
18.  Prepare lending activity reports for management and loan committee as needed.
19.  Actively work to obtain from the customer and outside sources documents and items needed to complete the loan process including, but not limited to, financials, tax returns, property descriptions, other collateral descriptions, pictures of collateral, tax certificates, title work and opinions, title insurance, environmental approvals, city or parish permits, etc.
20.  Adhere to the BSA Policy and all other Bank Policies.
21.  Any additional duties as assigned by supervisor.

Minimum Qualifications (Education, Experience, Skills)

• Five to ten years of experience in a bank or lending setting and/or training; or equivalent combination of education and experience.
• Successful completion of Commercial Banker training and any other compliance training deemed necessary by the Bank.
• Knowledge of credit policies and standards and lending and lending policies and procedures.
• Strong business and financial knowledge and understanding of Portfolio Manager responsibilities
• Working knowledge of Microsoft Office.
• Experience with Bank financial analysis and spreadsheet systems associated with lending.
• Developed analytical and underwriting expertise, credit quality focus.
• Formal credit training is a plus.

Physical Demands and Work Environment

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions. While performing the duties of this position, the employee is regularly required to talk and hear. The employee frequently is required to use hands or fingers, handle, or feel objects, tools or controls. The employee is occasionally required to stand; walk; sit; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. The noise level in the work environment is usually moderate.

This job description in no way states or implies that these are the only duties to be performed by the employee(s) incumbent in this position.  Employees will be required to follow any other job-related instructions and to perform any other job-related duties requested by any person authorized to give instructions or assignments. All duties and responsibilities are essential functions and requirements and are subject to possible modification to reasonably accommodate individuals with disabilities. To perform this job successfully, the incumbents will possess the skills aptitudes and abilities to perform each duty proficiently.  Some requirements may exclude individuals who pose a direct threat or significant risk to the health or safety of themselves or others.  The requirements listed in this document are the minimum levels of knowledge, skills or abilities.