Cordele- Portfolio Manager

This position is accountable for assisting Regional and Market Commercial Banking and Credit Administration in managing profitable commercial loan and retail relationships.

The below-listed responsibilities are not intended to be all-inclusive of job duties, but rather a list of the major duties and responsibilities associated with the particular position.

• Key Duty:
  Assist in the underwriting and management of credit to qualified borrowers for various purposes on assorted terms:
• Obtains and analyzes all necessary and financial data, checks credit standing within established limits and policy.
• Conducts loan functions in accordance to loan policies and procedures.
• Manages the renewal process for existing loan relationships
• Communicates final deal structure, pricing, terms and conditions to client and lending team maintaining integrity of formal loan approval.
• Collaboratively works with lending support in all pre- and post-closing activities, including conditions precedent to closing are accurate and complete and in the booking and maintenance of the relationship on the loan system.
• Attends necessary closings.
• Responsible for managing all financial and collateral exceptions within the assigned portfolio.
• Manage past due status of all loans in the portfolio, communicating with the borrower when necessary, and accountable for reporting on past due status to Credit Administration.
• Serves as the liaison between the commercial customer and the other areas of the bank in resolving customer problems and meeting the customer’s needs
• Follows loans to ensure conformity with terms and keeping collateral value up to date.
• Expands customer relationships by proactively reviewing customer needs and investigates any significant changes in status of existing relationships.
• Identifies key customer relationships and proactively reviews and meets with these customers to build relationships.
• Monitor, review and ensure compliance on loan covenants, borrowing base certificates, and other loan documentation and requirements within the bank.
• Conducts annual reviews, and any other periodic reviews as necessary, of loans within the portfolio, in accordance with loan policy.
• Ensures compliance with all relevant lending requirements, laws, regulations, internal and external policies.
• Provide customer service support to the customers within the banking center as needed as part of the region and market team environment.
• Actively promotes and refers business to other areas of the bank.
• Represents the bank and provides leadership in key community activities.
• Complies with all bank and personnel policies and procedures including but not limited to policies and procedures regarding the Bank Secrecy Act.
• Complete periodic training provided and/or required by PFB including but not limited to BSA training within required time frames assigned.
• Special Projects and Other Duties as assigned.

• Bachelor’s degree in banking, finance, accounting preferred.
• Minimum 5 years financial experience required.
• Completion of lending banking school preferred.
• In-depth knowledge of bank products, services, policies, and operational procedures.
• Extensive knowledge of consumer and commercial lending laws and regulations.
• Extensive knowledge of all areas of loan origination, processing, underwriting, and closing.
• Excellent interpersonal and verbal communication skills.
• Ability to manage loan portfolio.
• Requires contact with the general public.
• Excellent written and oral skills.
• Sound judgment and decision-making ability.

Planters First Bank is an Equal Opportunity Employer. We encourage qualified minority, female, veteran and disabled candidates to apply and be considered for open positions.