Portfolio Manager

Position Overview

Smart Bank is seeking a Loan Renewal and Portfolio Management specialist to support Relationship Managers in driving loan renewal processes and ensuring compliance.

Lead and manage the loan renewal process for assigned Relationship Managers (RMs). Maintain a proactive approach to all upcoming maturities using the 30‑60‑90 day maturing report. Confirm upcoming renewals versus payoffs in partnership with each RM. Create renewal records in nCino, ideally at least 60 days prior to maturity. Actively manage all financial exceptions, with priority given to items 90 days or older.

Coordinate with RMs to clarify responsibility for customer outreach related to financial reporting or documentation. Manage and monitor insurance reports, with emphasis on past‑due items and avoidance of forced‑placed insurance.

• On‑Time Renewal Creation: ≥95% of renewals created ≥45 days prior to maturity.
• Maturity Review Coverage (30‑60‑90): 100% of loans reviewed with renew or payoff decision.
• Past Due Renewals: 0 loans maturing without a renewal or documented payoff.
• Renewal Cycle Time:
  Average ≤45 days from identification to completion.

Credit and Review Support:
Update and upload financials, spreads, and covenant compliance information, providing RMs with timely status updates. Complete initial preparation for annual reviews, ensuring accuracy and completeness of required documentation.

• Review Preparation Lead Time:
  Reviews prepared ≥30 days before due date.

Financial Exceptions & Covenant Compliance:

• Aged Financial Exceptions (>90 days): ≤5% of total exceptions.
• Exception Resolution Timeliness: ≥90% resolved within 30 days.
• Covenant Tracking Accuracy: ≥95% accurate identification and reporting.
• Financial Update Timeliness: ≥95% completed by internal deadlines.

Insurance & Risk Monitoring:

• Forced‑Placed Insurance Events: 0 attributable to PM action or inaction.
• Past‑Due Insurance Resolution: ≥95% resolved within 15 days.
• Insurance Exception Aging:
  Average outstanding ≤30 days.

Client Servicing & Support:
Assist with need‑based inquiries (including Treasury Management, account questions, loan draws, etc.) and direct them to the appropriate internal partner. Support opening and servicing commercial and private banking accounts, including coordination with Retail when needed. Provide operational support with wires, ACH, mobile deposit, online banking as needed. Support the completion of annual account and Treasury Management reviews.

General Responsibilities:

Participate in regular weekly meetings with relevant team members to communicate priorities and action items. Perform additional duties as assigned related to loan process management or client servicing.

Education:

Bachelor’s degree in a business‑related field preferred or applicable experience.

Knowledge, Skills, and Abilities:
Excellent customer service and interpersonal skills; ability to apply knowledge and sound judgment in decision‑making using established guidelines; strong written and oral communication skills; detail‑oriented and able to function in a team environment; demonstrates a positive attitude and high level of integrity; capable of maintaining regular and predictable attendance; able to handle multiple tasks simultaneously, prioritize, and organize daily workflow;

strong relationship management and business development/sales skills; thorough knowledge of bank products and services.

Able to routinely stand, sit, bend and stoop. Frequently and regularly required movements using wrists, hands, and/or fingers. Average, ordinary visual acuity necessary to prepare and inspect documents or products and operate machinery. Ability to hear average or normal conversations and receive ordinary information. May be required to travel to training sessions or meetings.