Portfolio Manager

The Portfolio Manager is responsible for conducting financial analysis of credit for loan requests as well as assisting Bank Officers by performing the following duties.

The incumbent will: 

• →Conduct financial analysis of credit for new and existing clients and prospects 
• →Generate spreads, term sheets, and other information for loan requests and conduct underwriting
• →Determine the strength and/or weakness of credit requests to determine the terms of the loan and ability to repay
• →Build profiles and loan requests in nCino for approval
• →Contact Loan Officers and/or clients to request necessary financial information for analysis such as balance sheets, tax returns, financial statements, etc.
• →Generate reports to determine past or current maturities that are not yet cleared and request any necessary information
• →Prepare memos outlining financial information for approvals from the appropriate parties
• →Track maturity for renewals monthly 
• →Be actively involved in understanding documentation and closing process 
• →Attend sales appointments with Officers as requested 
• →Work on term sheets / commitment letters as directed by supervisors 
• →Assist Loan Officers and Credit Officers with various functions needed such as clearing collateral exceptions, reporting information, implementing new systems, etc.
• →Serve as a resource for junior Credit Analyst/Assistant Relationship Managers and provide training as needed
• →Responsible for being familiar with all compliance regulations and policies that are applicable to this position and follow and ensure compliance with these regulations and policies

Note: Reasonable accommodation may be made to enable otherwise qualified associates/applicants with disabilities to perform the essential functions of the job.

Note: Additional duties and responsibilities may be assigned.

• Bachelor’s degree in Finance, Accounting or a related field
• Excellent written and verbal communication skills
• Experience using Microsoft Outlook, Word and Excel
• Experience in a position requiring attention to detail and data analysis
• Excellent organizational skills and ability to multi-task
• RMA and/or Moody training is a plus

The physical requirements and environmental conditions of this position consist primarily of:

• Sustained standing and sitting
• Frequent use of PC, including typing or sustained attention to monitor 
• Occasional presentations requiring public speaking to small groups
• Occasional lifting of basic office files or equipment up to 20 lbs
• Normal office environment with comfortable internal temperatures and low level noise