Sr. Portfolio Manager

With direction and supervision from department head, provides direct support to Relationship Manager(s) to develop and analyze all relevant credit information pertaining to a wide range of loans. Prepares, or assists in the preparation of Credit Authorizations in accordance with the Bank’s policies and procedures for presentation to senior credit personnel and/or credit committees. Prepares detailed collateral analysis and coordinates appraisal and third‑party analysis.

Spreads and analyzes financial statement information to determine financial capacity of borrowers. Prepares thorough analysis of business and/or personal financial statements and presents facts and is expected to provide personal analytical opinions, as appropriate, concerning creditworthiness of existing borrowers and prospects.

• Interacts directly with relationship managers, loan officers and customers/prospects regarding a wide range of loans.
• Maintains an assigned/delegate loan portfolio as the primary relationship officer.
• Must prepare accurate financial statement spreadsheets and debt service analysis derived from business and personal accurate Credit Authorizations in conjunction with loan officers and presents a complete and thorough analysis financial statements and tax returns.
• Prepares of existing and potential borrowers.
• Recognize and act on customer prospects; cross sell opportunities with existing customers.
• Make proper referral of loan opportunities to lending personnel.
• Interacts independently and without direction with customers/prospects to request financial information to complete spreading presentations and other financial analysis.
• Reviews loan agreement covenants for verification of the borrower’s compliance thereto.
• Accurately prepares financial projections as required.
• Maintains an accurate, up-to-date tracking log of all activity and credit arrangements in process.
• Collects industry information relevant to existing and proposed borrowers using internal & external sources.
• Consults with relationship manager(s), loan officer(s), the Chief Lending Officer, and other Credit Administration officers on credit structure, pricing, collateral and other credit consideration issues.
• Works with clients in regard to past due payments/loan maturities.
• Conducts trade and reference checks on customers/prospects.
• Reviews documentation to ensure compliance with Bank policy and procedures.

• Demonstrates high degree of professionalism in communication, attitude and teamwork with customers, peers and management
• Demonstrates high level of quality work, attendance and appearance
• Adheres to all Company Policies & Procedures and Safety Regulations
• Adheres to local, state and federal laws
• Understands and complies with all company rules and regulations
• Attends training and maintains a basic knowledge of procedures to ensure compliance with laws and regulations governing financial institutions, as they apply to your position and job responsibilities, with an emphasis on the BSA/AML/CIP, Consumer Privacy, Regulation CC, Information Security, Bank Protection Act, FACT-Identity Theft, Information Technology and GLBA.
• Additional duties as assigned as it relates to the position

This position does not have supervisory responsibilities

• A bachelor’s degree from a four-year college or university; or one to two years related experience and/or training; or equivalent combination of education and experience.
• Strong, intermediate knowledge of accounting principles, tax return analysis and analytical interpretation of balance sheet and income statement analysis and cash flow.
• Ability to read, analyze and interpret general business periodicals,…