Portfolio Relationship Manager

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Full Time Sales

Shoreline, WA, US

Salary Range: $85,000.00 To $ Annually

The Portfolio Relationship Manager owns primary responsibility for the underwriting quality, portfolio administration, the credit quality of the assigned portfolio, and working directly with Account officers.

• Responsible for the credit and monitoring of portfolio risks
• Working directly with account officers and team members to effectively grow fees, deposits, and portfolio revenue by presenting financial solutions to customers.
• Conducts preliminary evaluation and underwriting of loan proposals terms sheets.
• Contribute to the Team’s overall meeting and/or exceeding the assigned volume/production goals
• Identify and recommend changes and enhancements to the Bank’s lending policies and procedures to best serve the current market needs
• Responsible for the full cycle of loan requests process. Provide financial analysis, obtain data to prepare a term sheet, and write proposals to expand the lending business.
• Requests all third party appraisals, environmental reports, and ensures all are within compliance.
• Identify areas of concern pertaining to a loan and discuss with Account officers
• Primary liaison with the Credit Department on loans submitted, prepare risk rating change proposal and facilitate the loan approval.
• Primary contact for coordinating information between client and internal departments in the loan process.
• Responsible for communication and finalizing loan closing.
• Responsible for overseeing renewals, document tickler and covenant tracking of loans.
• Monitor loan documentation exception reports and follow-up to clear up document exceptions in a timely manner.
• Monitor financial statement exception reports and follow-up to clear up financial statement exceptions in a timely manner.
• Works closely with Account Officers to manage maturing and re-price loans and identify new business opportunities.
• Troubleshoot, report, and manage activity on delinquent accounts at the various intervals
• Generate and provide requested reports as necessary on Team’s loan portfolio
• Participate in team sales calls and attend external events and activities in a business development role.

• Minimum of five (5) years of experience working in a Banking environment with emphasis on credit area required.
• Prior working experience with loan underwriting is required.
• Formal credit training is required.
• Ability to analyze financial and project statement, corporate and personal tax returns.
• Understanding of basic loan structure processes and regulations associated with lending
• Strong understanding of loan documentation criteria
• Excellent verbal and written communication skills;
• Proficiency with Microsoft Office Suite (Word, Excel, Powerpoint)
• Excellent interpersonal, customer relations and sales skills
• Ability to demonstrate being a self-starter, well organized, detail-oriented
• Strong teamwork ethics is required
• Ability to converse and exchange information with all levels of staff within organization.
• Ability to observe, perceive, identify, and translate data
• Ability to work well independently and in a fast-paced environment
• Travel within the local market may be necessary