Commercial Loan Portfolio Manager - CRE

Description

Connect One Bank proves that putting people first is a better way to do business. At Connect One, we’re builders - of businesses, communities, and equity. Most importantly, we’re building opportunities. Our mission is to ensure our employees feel empowered to make important decisions, reach their potential and truly make an impact.

Connect One is a growth organization by design; it is part of our DNA and we take pride in seeing our employees grow with us. Founded in 2005 by an entrepreneur, we have grown into a high-performing commercial bank, inspiring a new model for our industry’s future. By embracing technology and all the ways it can help us become a world-class service organization, we support small business owners by fueling their mission.

People First is the blueprint for our culture. It is at the foundation of everything we do and the decisions we make. At Connect One, you have the opportunity to be a part of a dynamic culture and team. Develop your forward-thinking skills, thrive in an entrepreneurial setting, and succeed at "a better place to be".

Connect One Bank is an Equal Housing and Equal Opportunity Lender, and a member of the Federal Deposit Insurance Corporation.

The Commercial Loan Portfolio Manager manages and monitors a portfolio of Commercial loans and personally manages loan relationships, including loan modifications, revisions, and annual reviews. The incumbent is responsible for a portfolio of commercial real estate clients consisting of both commercial and residential developers, builders, owner-occupied properties, and real estate investors.

• Support the Bank's "People First" focus and rules of engagement - maintaining a professional demeanor, working as an active member of the CNOB team, providing all clients excellent service, always striving to make CNOB "A Better Place to Be".
• Build and maintain a system to monitor receipt of relevant commercial loan account documentation; keep loan files current as to borrower and guarantor financial statements, tax returns, rent rolls, leases and related matters.
• As needed, maintain and develop customized reporting that provides in-depth analysis of the various segments within the commercial loan portfolios (including quarterly FASB 114/118 reports for all commercial accounts with notes of $1 million and more, and all substandard commercial accounts with balances of $200,000 or more).
• Assist in the early detection and identification of deteriorating credits and recommend proper course of action.
• Serve as a liaison with outside loan review service companies.
• Ensure accuracy and maintenance of customer records and files; update information as needed.
• Pay specific attention to credit policy, exception, and risk management based on common metrics.
• Coordinate with the credit department to perform in-depth financial analyses and credit investigations to make credit decisions, online extensions, and other loans.
• Visit customers independently and with commercial loan officers to maintain strong business relationships and perform periodic inspections at customer sites to audit accounts and ensure adherence to loan agreements and terms.
• Administer existing loans to ensure complete conformity with terms and adequacy of documentation, including preparation of criticized asset reports and review memos.
• Coordinate with operations and processing areas to ensure loan payments are collected and recorded.
• Develop new business for the Bank by expanding existing client relationships and bringing new relationships into the Bank.

• Strong "People First" interest and ability.
• Outstanding communication and interpersonal skills.
• Familiarity with Bank security and safety practices.
• Knowledge of CNOB products, services and credit policy preferred.
• Credit Training.
• Knowledge of relevant Federal and State banking regulations.
• Strong management skills.
• Conflict resolution experience.
• Proficient with Microsoft Office Applications.

• Working knowledge of the nCino platform.
• Familiarity with Google application suite.
• 5-7 years of commercial lending or credit analysis experience.

Benefits:

• World class health, vision, and dental benefits on day one
• 401k with employer match
• Hybrid work from home (depending on role)
• Employee appreciation events (team building, softball games, food truck days, etc..)
• Employee assistance programs (EAP)
• Wellness programs (flu shot, preventive care, health programs and services discounts, etc..)
• Tuition reimbursement
• Employee Discount perks
• CNOB Community Service Events

...and much, much more!

Studies have shown that individuals from underrepresented groups, may only apply to roles if they meet 100% of the qualifications. Roles evolve over time, especially with innovation, and you may be just the person we need. We hope you're open to learning new skills and growing with us. We encourage you to apply to continue making us "a better place to be!"

Connect One Bank is an equal…