Portfolio Manager

Primary Purpose of Job

Manage commercial credit relationships in support of the assigned loan officer. Work with assigned loan officer on new loan requests, renewals, modifications, collection of financial documents.

• Manage commercial relationships;
• Act as point of contact for borrowers;
• Prepare loan presentations for new requests, modifications and renewals;
• Monitor construction loans in the portfolio;
• Work with loan coordinators on loan closings;
• Work effectively with coordinators, credit department, loan operations;
• Present credit packages to loan committee;
• Work with loan officer to grow the loan portfolio;
• Analyze financial statements, assess creditworthiness, and recommend loan structures;
• Make recommendations to management regarding product improvement or changes;
• Refer depository and other business lines from customer base to the Branch Retail Manager.

• Excellent organizational, managerial and interpersonal skills;
• Strong analytical skills; and,
• Excellent oral and written communication skills.

• Bachelor’s degree in business or finance. (Credit/loan experience may be considered in lieu thereof); and,
• Two to five years’ experience with lending or commensurate experience.

Family & Trust:
Southern Bank team members build relationships based on trust and mutual respect, maintain an inclusive and honest environment and uphold integrity and transparency in all interactions.

Rooted & Service:
Southern Bank team members are committed to serving customers, communities and teams with purpose, professionalism, and respect, while effectively communicating and actively listening to meet their needs.

Innovation & Strength:
Southern Bank team members foster collaboration and continuous improvement, encourage visionary thinking, and strive for excellence to drive the organization forward.

Self-Motivated:
Demonstrating a willingness to commit to one's work and to invest one's time, talent, and best efforts in accomplishing organizational goals.

Building Customer Loyalty:
Effectively meeting customer needs; building productive customer relationships; taking responsibility for customer satisfaction and loyalty.

Sales Ability/Persuasiveness:
Using appropriate interpersonal styles and communication methods to gain acceptance of a product, service, or idea from prospects and clients.