Portfolio Manager

First National Bank of Bastrop

The First National Bank of Bastrop is proud to be named a Best Place for Working Parents®. We offer an opportunity to work with a financial institution that prides itself on excellent customer service and a competitive compensation and benefits package that includes:

• Employer paid benefits:
  • Paid time off
  • Paid parental leave
  • Paid volunteer time
  • Employee Stock Ownership Plan with 401(k) Provisions (KSOP) with match
  • Up to $850 match on Health Savings Account (qualifying medical plan required)
  • Life/AD&D/LTD insurance
  • Tuition reimbursement
• Optional benefits:
  • Medical insurance
  • Dental insurance
  • Vision insurance
  • Supplemental coverages:
    • Short term disability
    • Cancer
    • Critical Illness
    • Accident
  • Medical Spending Accounts:
    • Flexible Spending Account (FSA)
    • Health Savings Account (HSA)
    • Dependent Care FSA

Description: Support the analysis of the credit worthiness of the organization’s commercial credit relationships. Responsible for the client credit relationships, initial and ongoing, in the commercial lending segment, frequently serving as the client’s point of contact with the company. Affects sound and consistent underwriting and management of commercial loan risk within the assigned team while balancing the commitment to loan, deposit, and fee growth, overall client profitability, client retention, and credit quality.

Essential Duties:

• Assist in maintaining organized and current credit files. Will be involved throughout the loan underwriting process and will assume all required duties related to gathering information, facts, loan histories, relationship data, and providing same to lenders.
• During deal process, help prepare credit package for timely review and final approval including oral presentations to appropriate loan approval bodies. This includes obtaining and analyzing borrower financial statements, personal tax returns, stress-testing, profitability analysis and presentation of such material or any material that would be relevant for prudent risk management practices.
• Assist with the workflow of the relevant departments for origination and documentation of all loans.
• Make appropriate and timely notification to credit approval personnel of tardy and noncompliant borrowers, both during the loan process and during the life of the loan.
• Following the loan decision-making process work closely with the team to coordinate the documentation, closing, booking, and timely loan package completion.
• Conform all loan approvals and other packages with internal policy and regulatory requirements to insure compliance with regulatory and other legal requirements including BSA/AML.
• Develop and maintain all lending relationships in area on the centralized risk management tickler system.
• Make recommendations during the Underwriting and renewal process.
• Assist and participate in both client and prospective business calling preparation.

Bank Secrecy Act Duties:

• In the performance of respective tasks and duties, this position must maintain knowledge of Bank Secrecy Act regulations and all other regulatory, security, and Bank policies and procedures.

Company Conformance:

• First National Bank’s (FNB) promotional materials may include photos, videos and other recordings taken in the workplace or at company-sponsored events. Acceptance of employment with FNB gives consent to such photos, videos and other recordings and these may be used in social media posts, newsletters and other promotional materials. No extra compensation or advance notice will be provided when recordings are made or published.
• In compliance with all applicable regulations and Bank policies, this position is expected to successfully produce quality work within deadlines, with or without supervision; interact professionally with other employees, customers, and vendors, while always respecting the need for confidentiality of customer information. The employee will work effectively as a team contributor on all assignments and work independently while understanding the necessity for communicating and coordinating work efforts with other employees and organizations.
  
  Furthermore, the employee is encouraged to actively represent the Bank to customers and the general…