Loan Portfolio Manager

Loan Portfolio Manager

The Loan Portfolio Manager is responsible for proactive management of a commercial loan portfolio and related commercial deposit accounts, delivering superior client services to retain and grow the portfolio. Ongoing credit monitoring and risk rating management will be essential to mitigate risk consistent with the Lending Policy.

• Meet with clients to obtain information for loan applications and to answer questions about the process.
• Analyze clients’ financial status, credit, and property evaluations to determine feasibility of granting loans.
• Explain to clients the different types of loans and credit options that are available, as well as the terms of those services.
• Handle client complaints and take appropriate action to resolve them.
• Prepare reports to send to clients whose accounts are delinquent, and forward irreconcilable accounts for collector action.
• Contact clients or creditors to resolve questions about applications or to assist with completion of paperwork.
• Contact clients with delinquent accounts to obtain payment in full or to negotiate repayment plans.
• Match individuals' needs and eligibility with available financial aid programs to provide informed recommendations.
• Stay abreast of new types of loans and other financial services and products to better meet clients’ needs.
• Review loan agreements to ensure that they are complete and accurate according to policy.
• Review and update credit and loan files.
• Authorize or sign mail collection letters.
• Calculate amount of debt and funds available to plan methods of payoff and to estimate time for debt liquidation.
• Maintain and review account records, updating and recategorizing them according to status changes.
• Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
• Review billing for accuracy.
• Perform duties related to the Bank Secrecy Act under the guidance of the BSA Officer.

• Superior analytical and problem‑solving.
• Business acumen.
• Strong oral and written communication.
• Superior interpersonal skills.
• High proficiency in MS Office Suite.
• Ability to calculate figures and amounts to apply mathematical concepts.
• Team player with the ability to establish collaborative working relationships across the bank and with customers.
• Flexibility to work outside of normal working hours to accommodate business and customer needs.

• Bachelor's Degree required.
• Minimum of four (4) years’ experience in a similar position.

The associate is frequently required to sit and/or stand, communicate, reach, and manipulate objects, tools or controls that are typical of an office/bank environment. Lifting items weighing up to 10 pounds on a consistent basis. Manual dexterity and coordination are required over 80% of the work period while operating equipment such as computers, phones, calculators, etc.

Regular working hours:
Monday – Friday from 8 a.m. to 5 p.m. Based on the nature of the duties being performed, there may be hours that fall outside of the defined regular ones, including weekends. Travel to customer businesses will be required if business needs dictate. Extended viewing of computer screens.

The above statements are intended to describe the general nature and level of work performed by associates assigned to this position. They are not intended to be an exhaustive list of all responsibilities, duties and skills required of the associate classified as such. Duties and responsibilities may be added or changed as deemed appropriate by management at any time therefore they could differ from those outlined above.

United Fidelity Bank is proud to be an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with disability, sexual orientation, gender identity or any other characteristic protected by law.