Portfolio Manager

Position Reports to: Manager, Commercial Lending

Objective: The Portfolio Manager will provide support to the Commercial Lending team to ensure a high level of commercial portfolio quality. This includes monitoring the portfolio, reports, interim performance while maintaining compliance with regulations, policies and procedures. This position is also responsible for providing assistance with various commercial lending tasks as needed and demonstrating a strong internal and external customer service focus throughout.

Essential Functions & Responsibilities:

Portfolio Servicing

• Assists the RM with pre-flight analysis of prospective borrower’s information to determine proper options and financial solutions to best meet client’s need.
• Prepares proposals on new and existing credit opportunities.
• Assists RM with monitoring past dues and overdrafts.
• Monitors future maturities report.
• Reviews draft credit presentations
• Assists the RM with the documentation collection on new relationships, including SBA loans.
• Serves as a backup for RM as needed.
• Attends meetings as assigned including customer meetings, and credit meetings to present loans for approval.
• Monitors the health of the commercial loan portfolio including, but not limited to: financial ticklers, insurance, property taxes, and filings.
• Monitors and processes Loan Improvement Plans
• Establishes and maintains effective working relationships with internal and external contacts.
• Understands and follows all policies.

Other Responsibilities

• Embody Platinum Bank’s core values.
• Comply with all department and company policies, procedures, and regulations.

QUALIFICATIONS

Education and/or Experience

• Bachelor’s Degree, preferably in Business or similar, or equivalent work experience.
• 2 years of related experience, preferably in the financial services industry.
• Experience with credit/business lending, preferred.
• Experience in computer systems, including Microsoft Office.
• Good verbal and written communication skills.

Communication Skills

• Excellent interpersonal & customer service skills
• Ability to listen, speak clearly and effectively to others.
• Respects opinions of others.

Technical Skills

• Proficient skill set in the use of the following software applications: Microsoft Excel, Word, and Outlook.

Competency Requirements

• Decision Making/Problem Solving - Ability to make good quality decisions in a timely and decisive manner and systematically evaluate alternatives.
• Self-Management – Strong time management, work prioritization, and organizational skills; detailed-oriented; self-motivation; actively seeks feedback and adapts behavior.
• Confidentiality - Ability to maintain confidentiality of all Bank records and employee information.
• Ability to prioritize tasks and meet required deadlines.
• Strong organizational skills needed with the ability to multitask.
• Accuracy and efficiency with attention to details.

Certificates, Licenses, Registrations

• Must have a valid driver’s license and be willing to travel to outlying branch areas, as business needs dictate.

Physical Demands

While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle, or feel objects, tools, or controls; reach with hands and arms; and talk or hear. The employee is occasionally required to stand and walk. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, peripheral vision, and depth perception.

Work Environment

The working environment is typical for an office and does not require exposure to difficult or hazardous conditions.

The requirements listed above are representative of the knowledge, skill, and/or ability required. Reasonable accommodations can be made to enable individuals with disabilities to perform the essential functions.

This Position Description reflects management’s assignment of major responsibilities, which represent the majority of essential functions. It is not to be construed as an exhaustive statement of duties, responsibilities or requirements. They may be subject to change at any time due to reasonable accommodation or other reasons.

EEO/AA

Member FDIC