Portfolio Manager

Summary:

The Portfolio Manager (PM) supports

Relationship

Manager(RM) saleseffortsthroughthegrowth,developmentandeffectivemanagementofloanportfolios,helpingensurepositiveperformance. Underthesupervisionanddirectionofthe Group Portfolio Manager  or Market Leadership,thePMassesses risk by evaluating, designing and overseeing aspects of the portfolio construction, and assists in driving profitability by performing financial and credit analysis; contributes to clientrelationshipsinconjunctionwiththe

RM.

• Review documents for pre- and post-closing including the submission of pre-requisite and recurring credit source documentation to the bank’s imaging system.
• Prepare, review and monitor reports to ensure First Bank guidelines for compliance and credit monitoring are being met.
• Analyze credit requests and perform financial statement analysis utilizing the bank’s standardized analysis tools.
• Monitor reports analyzing loan commitments and outstanding balances by customer, loan type, property type, location, size, etc.
• Partner with market leadership, Regional Presidents and Regional Credit Officers in support of the RMs to promote client portfolio growth and strong asset quality.
• Monitor past due information and future maturities, alerting the RMs as needed.
• Perform the analysis of key financial metrics for input in commercial loan risk rating matrices to ensure accurate stratification of the bank’s commercial loan grading portfolio.
• Demonstrate an understanding of financial spreads, modeling and monitoring.
• Perform research to maintain current knowledge of industry trends, economic trends and regulatory impacts on borrowers that may affect the ability to repay a loan in their respective portfolio.
• May assist in the preparation of pitch books for prospective clients.
• May participate in, or independently execute, the sales process as part of a well-functioning team with the Relationship Manager and/or Relationship Manager Associate.
• Attend meetings and represent the PM and/or RM teams as needed.
• Function as part of the RM team as a capable secondary point of contact for commercial clients.
• Provide consistent, distinctive service to all clients when delivering the First Bank service experience.
• Practice safe and sound bank procedures, including adherence to applicable laws and regulations, internal controls, operational procedures, risk management policies, and security protocols.
• Provide independent analysis of credit requests and provide an effective challenge in loan approval and grading utilizing credit policy.
• Ensure source documentation and credit analysis are accurate and timely supported.
• Possess a sound knowledge of credit policy and its application to credit requests
• Regularandreliableattendance.
• Performotherdutiesasassigned.

• Bachelor’s degree in finance or similar field preferred
• Experience in banking specifically loan operations, lending or credit

• Strong verbal and written communications; one-on-one and in team environments
• Ability to allocate time effectively and independently to prioritize timelines
• Strong personal organizational and time management skills
• Ability to demonstrate the highest level of ethical behavior and confidentiality and maintain confidentiality with sensitive information
• Understand and comply with bank policy, laws, regulations as applicable to your job duties. This includes but is not limited to; complete compliance training and adhere to internal procedures and controls; report any known violations of compliance policy, laws, or regulations and report any suspicious customer and/or account activity