The Loan Officer/Portfolio Manager position is responsible for analyzing, structuring, underwriting and coordinating the closing of major and complex commercial business and commercial real estate loans, equipment loans, SBA 504 loans, and private banking loans in compliance with the Bank’s lending policies and procedures. The Loan Officer/Portfolio Manager handles all portfolio management for booked loans to ensure the credit risks are responsibly monitored and identified. This position may also provide training and guidance to less experienced loan officers and other staff members; coordinate staff for coverage in all related areas of lending; and assist in attaining established Bank, region and branch goals through active participation in the sales process working closely with Relationship Managers and Business Development Officers and through the process of underwriting and closing desirable credits. The Loan Officer/Portfolio Manager is responsible for assuring compliance with all Bank policies and procedures, as well as, all applicable state and federal banking regulations.
Interface with prospects in-person, over the phone and email in order to assess their credit needs and determine the best structure and items needed for analysis.
Work closely with the Relationship Manager or Business Development Officer to develop the client relationship and ensure a timely credit process.
Gather and analyze necessary information to present a financing request to senior management or Loan Committee for approval
Coordinate processing of approved loans; ensure loans are processed according to agreement, customer needs and conform to Bank lending policies; obtain sufficient information and/or documentation from customers; solve problems relative to processing and servicing of loans within your portfolio; approve loan disbursements in accordance with agreements.
Reinforce superior customer service through your own example along with appropriate follow-through with involved customers and employees.
Handle various other underwriting, closing and portfolio management and upkeep tasks and responsibilities.
Bachelor’s Degree (BA) or equivalent from a four (4) year college or university, preferably in Finance or Accounting
Minimum 2 years commercial loan underwriting experience
Strong portfolio management skills allowing for timely identification of credit concerns and for monitoring in accordance with bank policy and client covenants.
Outstanding presentation, verbal and written communication skills.
Flawless follow up with both internal and external customers.
Ability to work well with others in a collaborative team environment.
Excellent ability to juggle multiple credit requests at once.
Self-starter, entrepreneurial attitude and an upbeat positive outlook.