Credit Portfolio Manager

Credit Portfolio Manager page is loaded## Credit Portfolio Manager locations:
Yardley, PA:
Perkasie Admintime type:
Full time posted on:
Posted 5 Days Agojob requisition :
R-100059
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* Job description:

*** The following is a list of essential functions, which may be subject to change at any time and without advance notice. Management may assign new duties, reassign existing duties, or eliminate a function.
** Work with Credit Manager, Credit Officer and CCO to ensure consistent and accurate credit analysis and loan presentations.  + Prepare financial statement spreads and perform comprehensive analysis of cash flow  + Evaluate individual personal financial statements, tax returns, and prepare global cash flows  + Verify compliance with credit policy, applicable regulations and lending procedures  + Conduct industry and market analysis to identify risks and risk mitigating factors
* Prepare analysis and approval memo for more complex loan requests, reviews and renewals.
* When appropriate, recommend actions such as approval, structural change, or decline.
* Work with lenders to provide timely response and turnaround by monitoring and prioritizing pipeline.
* Work to ensure the appropriate level of analysis is completed in a timely manner for all requests.
* Develop, train, and coach less experienced Credit Analysts and Senior Credit Analysts.
* Work with new, existing and troubled commercial lending relationships in understanding and analyzing cash flows, balance sheet, risks and overall strength and weaknesses of loans and requests.
* Perform collateral valuations, and provide loan structure and covenant recommendations
* Assist in developing “best in class” Credit Administration Loan Policy and procedure manuals.
* Provide support for Special Assets Group and prepare quarterly loan impairment analysis as assigned.
** Compliance
* ** Comply with all applicable regulations and Bank policies regarding employment and employment law.
* Participate in annual compliance and other job-related training.
* Comply with applicable bank regulations, Bank policies and procedures.
* Comply with Bank’s internal privacy and ethics standards.
** Relationships and Contacts
** Internal:
Daily contact with commercial lenders, CCO, Credit Officer, Credit Manager, Credit Analysts and loan administrative assistants. Contact with special assets group as needed.
External:
Frequent contact with borrowers, accountants and loan review.

** Education and Experience
*** BA or BS in Accounting, Finance, Economics or related field required OR equivalent experience
* Minimum 3-5 years’ experience in credit analysis
** Skills and Competencies
*** Extensive experience in analyzing complex financial statements and tax returns.
* Comprehensive knowledge of commercial lending, including loan structure, covenant, and risk analysis.
* Extensive knowledge of collateral valuation methods.
* Exceptional verbal and written communication skills.
* Exceptional organization / time management skills.
* Proficiency with Microsoft Office and able to quickly master the bank's technology and systems
* Excellent communication and interpersonal skills with the ability to interact with all levels of personnel
* Demonstrate professionalism in appearance, punctuality, attitude, and grammar. Maintain a clean, organized work area.
* Demonstrated analytical and quantitative skills, with prior knowledge of accounting principles
* An ability to balance priorities and exhibit organizational skills to manage both individual and multiple team priorities while meeting Service Level Agreements.
* Ability to interact effectively with other bank personnel across functional lines.
* Ability to articulate bank strategies and customer service philosophy
* Excellent decision-making skills
* Ability to multi-task in highly demanding environment
* Efficient, high quality producer, with attention to detail
* Good judgment & analytical skills with the ability to remain focused & work independently
* Must be able to process constructive feedback & remain even tempered
* Ability to drive, with a valid driver’s license, to travel between offices and/or attend sales calls and customer visits

Penn community Bank is an equal opportunity employer.locations:
Yardley, PAtime type:
Full time posted on:
Posted 23 Days Ago
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