Commercial Portfolio Manager I

Overview

Peoples Exchange is built on tradition, service, and trust. Since the first meeting of original charter board members, we have been locally owned and operated. Our founders set high standards of excellence for our organization, our operations, and our people for over 100 years. We have always been proud to be a pioneer in our marketplace by offering banking products and services to benefit our friends in the communities we serve. As times change, so do the needs of our customers. Peoples Exchange will offer top notch customer services maintaining our hometown, friendly service that our customers have grown to expect. Equal Opportunity Employer M/F/Disability/Veteran

Job Description

Role:

In partnership with a team of Commercial Lenders, this position is responsible for managing and servicing a portfolio of commercial customers, including expanding, building, and maintaining strong customer relationships with a resulting high level of customer satisfaction.

Essential Functions & Responsibilities: 

*Initiate loan processes for new and existing borrowers in all aspects from application to closing.

*Collection and analysis of financial data deemed necessary to determine the general creditworthiness and merits of credit requests. This may include reviewing and spreading financial statements, tax returns, cash flow and projection analysis, risk rating, and analysis and review of personal financial statements and other applications that are presented. Review financial data for growth opportunities with new and existing borrowers.

*Manage annual credit review schedule for team of Commercial Lenders. Ongoing credit monitoring to include completing credit reviews as needed (typically annually) along with reviewing upcoming loan maturities, trend identification in credit quality/risk rating, compliance with loan covenants, management of all watch list credits, etc. Assist the Commercial Lenders on credit requests, including general underwriting, loan structuring, negotiating/pricing, collateral, analyzing industry/credit risk.

*Prepare loan presentations and credit reviews.

*Maintain loan reporting, including such things as past dues, documentation and collateral exceptions, financial performance updates, portfolio profitability, etc. Ensure compliance with all Bank policies, procedures, regulations, and laws.

*Evaluate customer service requests for existing relationships, including loan renewals and modifications.

Performance Measurements:  

Assist in producing assigned loan volume and average yield goals for Market.

To maintain a professional, courteous, and friendly atmosphere for customers and co-workers.

Ensure that all lending activity is in compliance with established policies and regulations.

Exhibit excellent organization and communication skills.

Must be able to meet deadlines and be flexible with scheduling.

To complete all trainings as required: including BSA, customer service, security, and all other training assigned.

Screening Requirements

Candidates will undergo the following prescreening:

*Credit Screening – The credit screening includes a credit history check, financial fitness check, and other non-specified criteria to confirm eligibility for a position. 

*Background Screening - The background screening process includes a review of all federal and state civil and criminal charges for all locations you have resided within the last seven years.

*Drug Testing – The drug screening is a urine test, checking for a number of substances including Marijuana.

*Employment and Education - The bank may also investigate the employment and education background of an employee. We reserve the right to deny or terminate employment based on the results of that review. 

Benefits

Medical Insurance, Life Insurance, Dental Insurance, Vision Insurance, Paid Vacation, Paid Sick Days, Paid Holidays, Short Term Disability, Long Term Disability, 401K/403b Plan, Educational Assistance, Special Incentive Plans

Profile Type

All Positions

Candidate Cover Letter Required

No

Online Resume Builder Active

Yes