What are the responsibilities and job description for the Portfolio-Relationship Manager - Denton, TX position at Texas Regional Bank?
Position Summary
The Portfolio-Relationship Manager performs administrative, customer service and lending duties in support of a Senior Lender or group of lenders. This position manages a portion of existing loan relationships and assists the lender(s) with new loan opportunities and customer relationships. The Portfolio Manager is responsible for ensuring accurate and timely servicing and related customer support activities for the assigned loan portfolio during the pre-approval underwriting, pre-closing, closing and post-closing stages. The role is responsible for managing and growing profitable lending relationships for the Bank under the direct supervision of the Market President. The position will also be responsible for ensuring that Branch and/or Market production goals are met.
Principal Duties and Responsibilities
- Support the Senior Lender in managing existing loan relationships and new loan opportunities.
- Perform administrative tasks that can include but are not limited to pulling credit reports, collecting financial information, preparing loan related document and packages, ensuring accuracy and completeness of loan packages, gathering information on existing loan relationships and booking/closing loans.
- Develop and analyze all relevant credit information pertaining to a wide range of loans.
- Manage a portfolio of commercial loans and lines of credit. Includes analyzing borrowing base certificates, inspecting collateral, reviewing/approving advance requests, monitoring delinquency and risk grading, and administration of loan covenants
- Perform as an active participant in the commercial application process including but not limited to; obtaining completed application packages, preparation of an initial loan proposal, and diligent follow up on all needed documents as requested by the underwriting department.
- Maintain active communication with the underwriting department while acting as the customer’s point of contact for all questions that may arise, thus ensuring that the client’s needs are met, and the loan closes is in a timely and organized manner.
- Responsible for monitoring all pending loan applications for timely responses by both the Bank and the client to ensure that no loan becomes stale, clients are kept fully aware of their progress through the application process and that loans close within a timely manner.
- Responsible for managing and reporting on an assigned loan portfolio which will entail but will not be limited to, discussing clients with Senior Management, and assisting the Collections Department.
- Adhere to the Bank’s credit policies, guidelines, and applicable regulatory requirements.
- Execute prudent lending decisions within the limits of their board approved authority lines.
- Prepare or assist in the preparation of credit authorizations in accordance with the bank’s policies and procedures for presentation.
- Prepare detailed collateral analysis and coordinate appraisal and third-party analysis.
- Perform customer service duties that may include identifying, researching, and resolving customers’ questions and issues regarding deposits, fund transfers, loan advances, loan pay downs, payoffs, etc.
- Identify business prospects and opportunities that result in new loan and deposit relationships.
- Deliver exceptional customer service which includes courtesy, professionalism, responsiveness, and follow-up.
- Identify and order documentation required to process loan requests.
- Track and ensure receipt of appropriate documents and reports.
- Prepare and maintain loan transaction files and assist in maintaining customer credit files.
- Ensure completeness and accuracy of credit and transaction files.
- Coordinate account maintenance with the Loan Servicing department.
- Manage compliance reporting and maintain customer and prospect database.
Other Responsibilities
- Support and promote the Bank’s Vision, Mission and Core Values, organizational structure and policies and procedures.
- Provide strong, compassionate and visible leadership, which fosters positive attitudes and trust among employees, customers, and prospects.
- Comply with federal and state regulations as well as all established Bank policies and procedures.
- Perform other duties as assigned.
Qualifications, Education and Experience Requirements
- High School Diploma or G.E.D. is required.
- Minimum of five (5) years of experience in banking, preferably in credit or lending.
- Strong Microsoft Office skills.
- Must be able to use sound judgment when identifying and solving problems.
- Excellent organizational, interpersonal and communication skills are required for maintaining effective relationships with Board members, officers, employees, customers and members of the business and civic community.
- Must have excellent analysis, observation and decision-making skills.
- Highly focused, able to rapidly determine key priorities, clearly communicate the priorities and ensure resources are properly aligned.
- Should be able to work under high pressure situations while remaining calm and composed.
- Attention to detail and a high degree of mental concentration are required.
- Flexibility, professionalism, ability to perform a variety of tasks with multiple interruptions is essential.
- Must be physically present in the Bank to perform the job duties.
- Texas Regional Bank is an Equal Opportunity Employer.
