What are the responsibilities and job description for the Commercial Portfolio Manager and Support Specialist position at Paducah Bank?
Position Title: Commercial Portfolio Manager and Support Specialist
Department: Commercial Services
Reports To: Relationship Support Manager - Paducah
General Summary/Purpose
The role of Commercial Portfolio Manager and Support Specialist is to provide loan production and portfolio management support for the Bank’s Commercial Relationship Managers. Works in close collaboration internally with Credit Analysts, Commercial Relationship Support Specialists, and Commercial team to build a strong loan relationship team. Along with the loan team, utilizes nCino (Commercial workflow and CRM software) to input loan transactions and work requests to move through approval and post-approval stages to closing. They will also support onboarding of deposit accounts and the overall Commercial client experience. The Commercial Portfolio Manager and Support Specialist must have a strong ability to multitask. They must prioritize and complete tasks quickly and efficiently with consistent communication and follow up with the RM and clients.
Key Duties and Responsibilities
#1 Loan assistance and production support Percentage of time: 65%
Provide assistance to Commercial RMs in all stages of new loan production
Assist with entering information into the business loan platforms
Submit business loan applications for Commercial customers as needed
Collect pertinent documentation and information from clients to assist the loan process
Interact with Commercial customers to collect information as needed
Pull credit reports
Collaborate with loan processors, underwriters, and credit analysts through underwriting
Order appraisals and real estate evaluations with appraisal department
Collaborate with attorneys to order title work and applicable attorney prepared documents for loan closings
Post payments and research issues on loans
Facilitate construction draws and transfers
Complete advances on lines of credit
Print and assemble loan packages in collaboration with central document preparation and other departments
Notarize documents for client packages
Attend loan closings as needed
#2 Relationship and Portfolio Management Percentage of time: 25%
Assist RM in client onboarding experience for loans and deposits
Partners internally with Relationship Manager to prepare for annual reviews, renewals of lines/loans, client meetings.
Input client meetings, interactions, and tasks into CRM system nCino/Salesforce
Manage borrowing base monitoring, covenant tracking, and collateral review for RM portfolio.
Outbound calling to customers and prospects
Develop skills necessary to assume a portfolio of client relationships to manage
Strong outbound calling and communication skills, both written and verbal
Ability to resolve issues as they arise as well as completion of tasks
Assist RM’s with addressing exceptions on loans and portfolio
Gather and organize client documents on RM shared drive and loan systems for booking
Assist with underwriting, processing, and documentation preparation of renewals and maturities
Collaborate with Commercial team and Wealth Management team on overall client experience
Wires and other operation tasks for clients
Coordination of client gifts and promotions for RMs
Other duties to support commercial clients as needed
#3 RTO & Equipment Share Portfolio Management Percentage of time: 10% Continue education of industry specific knowledge.
Generate RTO monthly reports and enter data from the reports into the RTO Analysis spreadsheet.
Monitor, summarize, and graph customer information monthly on the RTO Analysis spreadsheet for portfolio comparison and concentration analysis.
Support concentration analysis of the industry for the lending team by preparing a quarterly report for RTO and Equipment Share for review by OLC and Board of Directors.
Reconcile borrowing base reports with supporting documentation monthly.
Track and review collateral for Equipment Share loans monthly.
Review all RTO and Equipment Share loan packages for accuracy prior to closing.
Department: Commercial Services
Reports To: Relationship Support Manager - Paducah
General Summary/Purpose
The role of Commercial Portfolio Manager and Support Specialist is to provide loan production and portfolio management support for the Bank’s Commercial Relationship Managers. Works in close collaboration internally with Credit Analysts, Commercial Relationship Support Specialists, and Commercial team to build a strong loan relationship team. Along with the loan team, utilizes nCino (Commercial workflow and CRM software) to input loan transactions and work requests to move through approval and post-approval stages to closing. They will also support onboarding of deposit accounts and the overall Commercial client experience. The Commercial Portfolio Manager and Support Specialist must have a strong ability to multitask. They must prioritize and complete tasks quickly and efficiently with consistent communication and follow up with the RM and clients.
Key Duties and Responsibilities
#1 Loan assistance and production support Percentage of time: 65%
Provide assistance to Commercial RMs in all stages of new loan production
Assist with entering information into the business loan platforms
Submit business loan applications for Commercial customers as needed
Collect pertinent documentation and information from clients to assist the loan process
Interact with Commercial customers to collect information as needed
Pull credit reports
Collaborate with loan processors, underwriters, and credit analysts through underwriting
Order appraisals and real estate evaluations with appraisal department
Collaborate with attorneys to order title work and applicable attorney prepared documents for loan closings
Post payments and research issues on loans
Facilitate construction draws and transfers
Complete advances on lines of credit
Print and assemble loan packages in collaboration with central document preparation and other departments
Notarize documents for client packages
Attend loan closings as needed
#2 Relationship and Portfolio Management Percentage of time: 25%
Assist RM in client onboarding experience for loans and deposits
Partners internally with Relationship Manager to prepare for annual reviews, renewals of lines/loans, client meetings.
Input client meetings, interactions, and tasks into CRM system nCino/Salesforce
Manage borrowing base monitoring, covenant tracking, and collateral review for RM portfolio.
Outbound calling to customers and prospects
Develop skills necessary to assume a portfolio of client relationships to manage
Strong outbound calling and communication skills, both written and verbal
Ability to resolve issues as they arise as well as completion of tasks
Assist RM’s with addressing exceptions on loans and portfolio
Gather and organize client documents on RM shared drive and loan systems for booking
Assist with underwriting, processing, and documentation preparation of renewals and maturities
Collaborate with Commercial team and Wealth Management team on overall client experience
Wires and other operation tasks for clients
Coordination of client gifts and promotions for RMs
Other duties to support commercial clients as needed
#3 RTO & Equipment Share Portfolio Management Percentage of time: 10% Continue education of industry specific knowledge.
Generate RTO monthly reports and enter data from the reports into the RTO Analysis spreadsheet.
Monitor, summarize, and graph customer information monthly on the RTO Analysis spreadsheet for portfolio comparison and concentration analysis.
Support concentration analysis of the industry for the lending team by preparing a quarterly report for RTO and Equipment Share for review by OLC and Board of Directors.
Reconcile borrowing base reports with supporting documentation monthly.
Track and review collateral for Equipment Share loans monthly.
Review all RTO and Equipment Share loan packages for accuracy prior to closing.
