Community Association Portfolio Manager

Position: Community Association Portfolio Manager I
Job Type

Full-time

Description SUMMARY

The Community Association Portfolio Manager I manages assigned condominium and community association relationships and serves as a primary or secondary contact for clients within the Community Association Banking Department. Working in collaboration with the Team Leader, Relationship Managers/Loan Officers, and Credit Officers, the role supports portfolio administration, client-service matters, financial and covenant analysis, annual reviews, and the preparation of credit recommendations.

The Portfolio Manager I identifies emerging risks, recommends appropriate servicing actions for review, and escalates complex or higher-risk matters in accordance with bank policy.

Essential Duties And Responsibilities

• Manage assigned community association relationships in collaboration with the Community Association Banking Team Leader and Relationship Managers/Loan Officers.
• Collect and analyze financial information, monitor loan covenants, conditions, and payment performance, identify trends and emerging risks, and prepare conclusions and recommended actions for review or escalation as appropriate.
• Manage covenant tracking and portfolio-monitoring activities for assigned relationships, maintain accurate information in the loan operating system, generate reports, and follow up on outstanding items.
• Perform financial and credit analysis and prepare credit recommendations for renewals, modifications, and new loan requests, subject to applicable review and approval requirements.
• Serve as a primary or secondary client contact, resolve routine servicing matters, assist with moderately complex matters, and elevate higher-risk, policy-related, or approval-related issues.
• Coordinate account-opening, digital-banking, and related client-service requests, resolving routine issues and partnering with internal teams on complex matters.
• Participate in client meetings with Relationship Managers/Loan Officers; communicate portfolio matters and coordinate follow-up on assigned action items.
• Coordinate with property managers, attorneys, environmental experts, engineers, accountants, and other vendors to obtain information and resolve portfolio matters.
• Review and coordinate requests to advance funds from lines of credit and loans in their advance period in accordance with approved terms and procedures.
• Ensure assigned loan files are complete, accurate, and current; maintain financial information in the loan operating system and resolve documentation exceptions.
• Complete annual and periodic reviews for assigned loans, including financial analysis, covenant compliance, identification of emerging risks, and preparation of risk-rating and servicing recommendations for review.
• Monitor assigned relationships for compliance with applicable lending regulations and internal credit policy; identify documentation or monitoring exceptions and coordinate timely resolution with internal partners.
• Recommend and assist with implementing improvements to loan operating systems, reports, controls, and portfolio-management processes.
• Support loan-file compliance and regulatory requirements within the assigned portfolio, including Regulation B and flood requirements, and coordinate resolution of exceptions.
• Work in collaboration with the Credit and Loan Servicing Departments as well as all areas of the Bank.
• Identify client needs and cross-sell opportunities and coordinate appropriate solutions with Relationship Managers and bank partners.
• Participate and assist in other applicable Community Association Banking activities.
• Ensure compliance, within area of responsibility, including Federal, State and local laws.

Consider this description to be the foundation of your job, not its boundaries. Expect to participate in…