Portfolio Manager handling credit underwriting and analysis for Business Banking. Responsible for financial statement analysis and providing risk guidance across multiple states.
Responsibilities
Perform credit underwriting related to requests for renewals, modifications, changes in terms, credit reviews and reaffirmations for the Business Banking and Small Business Banking credit portfolios.
Perform spreading company financial statements and tax returns.
Analyze financial statements, personal financial statements, and performance metrics for explanation of variances, to identify trends, and to address a credit strategy appropriate for the credit risk.
Present solutions to credit structure, covenants, financial reporting requirements and other credit conditions to the Portfolio Manager.
Provide specialized risk guidance and advice on existing portfolio of watch list credits across a multi state geographical footprint.
Secure financial information and test covenants requirements.
Provide timely client follow up and ensure that loan servicing actions, such as past due payment collections, demand letters, law suits, and liquidations are properly administered.
May perform site visits if needed.
Address complaints successfully, resolve documentation exceptions and covenant requirement violations.
Other duties as assigned.
Requirements
Bachelors Degree in Business, Accounting, Finance or related area with at least 6 hours of accounting
1+ year in Business Loan experience (up to $5MM)
1+ year credit analysis experience
Demonstrates credit decision making skills and ability
Demonstrates financial analytical skills with ability to solve complex problems by interpreting data and results
Demonstrates excellent writing skills to create credit memos
Demonstrates excellent verbal and interpersonal skills to communicate with sales force and credit managers
Demonstrates ability to work independently
Demonstrates proficiency of Excel, and Word to create tables and worksheets for credit memos
Benefits
Paid Time Off
401(k) matching program
Annual incentive pay
Paid holidays
A comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage
Health savings, flexible spending, and dependent care accounts
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