Portfolio Specialist I

Job Title: Portfolio Specialist I

Reports To: Commercial Relationship Manager

Direct Reports: N/A

Salary Grade: 8

SUMMARY

A Portfolio Specialist I provides credit and sales support to Commercial Banking Relationship Managers.

EDUCATION AND EXPERIENCE REQUIREMENTS

• Bachelor’s Degree with course work in finance and accounting preferred
• 1 - 2 years of work experience related to various aspects of commercial lending preferred   
• Possess a general knowledge of credit policy, banking regulations, and loan documentation issues
• Possess knowledge of various loan structures and have the ability to apply this knowledge in the formulation of sound credit recommendations
• Excellent interpersonal skills
• Excellent communication skills; both verbal and written, one-on-one and in groups
• Ability to develop and maintain a cohesive and cooperative working relationship with co-workers
• Good personal organization and time management skills
• Understand and work effectively within the credit culture of the company
• Must allocate time effectively and independently prioritize work load to meet timelines
• Ability to work with in-house financial reporting applications, including Navigator
• Participate in all required compliance training, including Bank Secrecy Act/anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars/conferences, etc.

JOB FUNCTIONS

• Work with RMs to manage all aspects of the local loan portfolio including annual reviews, past dues, borrowing base monitoring, covenant compliance, CARs, collateral exceptions, and other portfolio management activities
• Actively participate and assist in all aspects of the loan process including joint calling, underwriting, and preparation of credit approval packages 
• Coordinate with Credit Analysts in the preparation of LARs, credit memos, financial spreads, and related documents
• Serve as secondary contact on client relationships
• Identify cross-sell opportunities with new and existing clients
• Prepare commitment letters and review loan documents 
• Assist lenders in prospecting efforts
• Spread, analyze, and interpret complex business and personal financial statements and tax returns
• Analyze relationships, clients, and prospects globally, not just on individual requests
• Identify strengths and weaknesses of individual requests and make recommendations to address and mitigate perceived risks
• Prepare and present credit analysis packages through the credit approval chain with limited supervision

SUPERVISORY RESPONSIBILITY

This position has no direct reports.

WORK ENVIRONMENT

Location in United Footprint

POSITION TYPE

This is a full-time position that requires schedule flexibility to work evenings and weekends as needed.

TRAVEL

This position requires up to 10% travel.

OTHER

We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity and/or expression, status as a veteran, and basis of disability or any other federal, state or local protected class.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee. Other duties, responsibilities and activities may change or be assigned at any time with or without notice.