Portfolio Manager - Commercial Admin Bank - Bowie, MD

Overview

Portfolio Manager 2 - Commercial Admin Total Bank

Location:

Multiple Locations (including Towson Lending Office, Towson, MD). This position is 100% in office.

Work hours:

40 per week. Full-time status.

Area of Interest:
Lending

All Locations:
Bowie, Maryland;
Towson, Maryland;
United States

• Supports the job activities of Commercial Bankers. Acts as a liaison between lending sales personnel, the commercial operation and service support groups, and performs various customer service roles related to administration and follow-up support for commercial loan and deposit relationships.
• Coordinates underwriting and processing of new loan requests and modifications with Credit Risk Management.
• Engages, coordinates and reviews third party reports (appraisal, environmental, inspection).
• Attends joint meetings with Commercial Bankers, as applicable.
• Inputs information into lending system in conjunction with and on behalf of the Commercial Banker. Facilitates deal submissions of all credit requests into commercial processing software; utilizes checklists to confirm all information is collected and due diligence is complete.
• Assists the Commercial Banker in supporting the commercial loan closing process including communicating with Commercial Administration Support Analyst, and coordinating activities of outside service providers including attorneys, accountants, insurance providers and government agencies.
• Under the guidance of the Commercial Banker: helps with collecting documents and assists in collecting and maintaining updated financial and other information required for new loans and modifications to provide excellent customer service.
• Provides timely response to questions from customers and internal departments.
• Handles customer situations/problems in a professional and confidential manner.
• Attends sales or closing meetings with the Commercial Banker.
• Reviews checklists and loan closing documents to work toward funding the loan.
• Prepares modifications for material client loan changes.
• Assists in addressing and obtaining a resolution to exception items with the Commercial Banker.
• Performs other duties as assigned.

• Solid understanding of all aspects of commercial lending, documentation and servicing. Must be able to recognize what is missing or needed.
• Previous formal credit training or proven strong credit analysis skills, preferred.
• Ability to read, analyze and interpret Commercial Construction Loan documents including notes, mortgages and construction loan Agreements.
• Experience in analyzing financial statements from commercial clients to determine what is needed.
• Experience in reviewing covenants to understand if the loan will be able to meet those covenants.
• Experience with commercial draw agreements and make independent decisions to determine if it is the correct draw amount and if not must be able to call the client and explain the reasoning.
• Must have experience working independently with the credit and underwriting personnel.

• High School Diploma or GED required.
• Bachelor's Degree in Business Administration preferred.
• Minimum of three years of relevant banking experience preferred.
• Experience with commercial lending systems and loan documentation preferred.

• Practices the standards of the Bank's Mission, Vision and Pledge.
• Understands the various types of commercial loan products and services offered by the Bank.
• Maintains a working knowledge of the Bank's loan processing system and credit approval process.
• Coordinates underwriting and processing of new loan requests and modifications with Credit Risk Management.
• Engages, coordinates and reviews third party reports (appraisal, environmental, inspection).
• Attends joint meetings with Commercial Bankers, as applicable.
• Inputs information into lending system in conjunction with and on behalf of the Commercial Banker. Facilitates deal submissions of all credit requests into commercial processing software; utilizing checklists to confirm all information is collected and due diligence is complete.
• Assists the Commercial Banker in supporting the commercial loan closing process including…