POSITION SUMMARY

The Portfolio Manager is responsible for managing a portfolio of middle market commercial clients and loans with Relationship Manager(s) and assisting the team in managing the credit process.

ESSENTIAL JOB FUNCTIONS

• Prepares the primary underwriting documents used in the credit approval process for commercial loans
• Performs sensitivity analysis of financial projections when necessary and prepares risk rating based on bank’s rating criteria
• Assists the Relationship Manager in negotiating the terms of credit agreements with middle market companies
• Regularly reviews financial statements, covenant compliance certificates and other reports prepared by existing portfolio companies to ensure compliance with existing loan agreements
• Responsible for maintaining accurate risk rating of portfolio and process rating changes as needed
• Responsible for developing new relationships for the Bank and cross selling to existing clients
• Additional duties include, but not limited to the management of financial reporting information, delinquency reporting and overdrafts
• Ensures BSA compliance

REQUIRED COMPETENCIES

• Knowledge of the commercial lending process
• Excellent communication skills
• Ability to coordinate multiple projects and meet deadlines

EDUCATION/EXPERIENCE

• Bachelor’s degree required
• Minimum of  5 years commercial credit training required

 EOE/M/F/D/V