Loan Portfolio Manager

Portfolio Manager

Position Summary:  

The Portfolio Manager will partner closely with the Loan Officer to execute the Bank’s commercial loan origination strategy and will assist the Loan Officers in managing new and existing customers with higher total credit exposure (TCE) and higher levels of risk. Simultaneously, the PM will assist the Credit Officer with enforcing the credit policy of the bank and with on-going monitoring of risk within the bank’s portfolio directly assigned to the PM.

Essential Functions-Primary Responsibilities and Accountabilities (90%):

Reasonable Accommodations Statement

To accomplish this job successfully, an individual must be able to perform, with or without reasonable accommodation, each essential function satisfactorily.  Reasonable accommodations can be made to help enable qualified individuals with disabilities to perform the essential functions.

Essential Task Statement(s)

   Branch Credit/Ownership (80%)

• Assist Loan Officer in prioritizing existing and prospective loan requests.
• Assist Loan Officer with preparing for Customer calls.
• Attend customer calls with Loan Officer.
  1. PM’s will be introduced to all customers above a to-be-determined TCE and will be included on future calls, as needed.
  2. Take notes and have follow up discussion with Loan Officer to ensure they agree on future potential of relationship, creditworthiness, concerns, etc.
• Assist Loan Officer with underwriting loan requests.
  1. Determine what Financial Statements (FS) are required and ensure that all FS have been obtained.
  2. Ensure the customer signs the “Release of Information” form that will allow PM’s and LO’s to contact accountants directly.
  3. Create detailed Debt Schedules based on FS and discussion with customer.
  4. Review FS for accuracy and items requiring explanation and/or clarification.
     • Obtain explanation / clarification from customer prior to spreading customer in Sage Works.
     • Review FS for potential ancillary bank business (i.e. Wealth Management, Treasury Management, Mortgage, etc).
     • Send Financial Analysis request to Credit Analyst department (or spread in SW) and act as Credit Analyst’s point of contact regarding Financial Statement questions.
     • Ensure that the financial statements have been accurately spread in Sage Works.
       • Discuss Sage Works spreads with Loan Officer.
       • Ensure all questions arising from spread are adequately explained in CM.
• Assist LO with preparing CM and loan package.
  1. Help establish appropriate structure for proposed debt.
  2. Help identify potential risk and related mitigants, then complete the Risk Rate Matrix.
  3. Ensure there are no non-approved Policy Exceptions.
  4. Help establish meaningful covenants and monitor compliance.
  5. Ensure all needed documentation is attached in Teslar using the prescribed naming conventions.
• Loan Officer will present loan request to required level of approval authority with the assistance of PM.
  1. PM’s will present requests for approval in Loan Officer absence.
• Attend Loan closings with Loan Officer.
• Post-closing Responsibilities
  1. Clear exceptions.
  2. Collect financials in a timely manner.
  3. Monitor covenants / Borrowing Base certificates.
  4. Manage maturing loans.
     • Facilitate renewals prior to maturity.
     • Extend or renew maturing loans to coincide with other maturing loans of customer.
  5. Perform annual reviews, as required.
  6. Assist Loan Officers with past dues.
• Must possess skills necessary to work collaboratively and independent of the Loan Officer to meet the needs of the customer/portfolio.

• Participates in various community activities on behalf of the bank.

   Customer Service (10%)

• Represent Guaranty Bank & Trust Company professionally, efficiently, and tactfully
• Acknowledge and greet customers with a smile, call customer by their name, ask if they need any additional assistance, thank customer at end of every conversation
• Ensure continuing development of professional relationships with management and colleagues. 
• Follow all bank policies and procedures
• Answer and assist incoming callers with questions and requests; subsequently route callers, as appropriate.
• Receive incoming bank visitors and assist in directing them appropriately.

Additional Functions-Secondary Responsibilities and Accountabilities (10%)

  Additional Task Statement(s)

• Work overtime, as needed.
• Follow all bank policies and procedures.
• Provide assistance to other departments as needed.
• Perform other duties that may be assigned and requested.

Position Qualifications

Education:          Required – Post –secondary certificate or degree, preferably in accounting, finance, business, or related field.

Preferred –BA/BS degree preferred, experience will be considered.

Experience:     Required – 2 to 5 years of Commercial and Consumer lending in banking or related field. Basic understanding of accounting, finance, financial statement and cash flow analysis and loan policy.

Preferred – 5 to 8 years of experience in banking or a related area.

  Licenses and 

  Certifications: Required – None

                                Preferred – None

Position Requirements

  Competency Statement(s)

• Accountability (core value) – Always do what we say and hold one another accountable.
• Accuracy – Thorough with strict attention to detail; does work right the first time; identifies and corrects errors; produces complete and error free work.
• Active Listening – Gives full attention to what others are saying, attentive to others’ ideas and concerns; asks questions to clarify understanding.
• Conceptual Thinking – Notices similarities between different and apparently unrelated situations.
• Confidentiality (Core Value) – Always maintains strict confidentiality.
• Community Development (Core Value) – Always committed to community development.
• Critical Thinking – Apply rules and logic to situations; considers factors beyond the initial information given.
• Data entry – Proficient alpha/numeric data entry skills.
• Detail oriented – Concentrates on routing work details; carefully monitors and examines one’s own and others’ work; ensures accuracy in documentation and data.
• Ethical Conduct – Conducts oneself consistently with sound banking practices and standards, upholding the values of Guaranty Bank.
• Integrity (Core Value) – Always act with integrity and honesty.
• Respect (Core Value) – Always treats others with respect.

Physical Requirements:

Physical requirements needed to perform the above essential duties, with or without reasonable accommodation, may be requested from Human Resources.