Portfolio Manager

Job Description

Job Description

GENERAL FUNCTION

• Assist Relationship Managers in all aspects related to managing both new and existing commercial banking relationships.

MAJOR DUTIES AND RESPONSIBILITIES

• Assists in the implementation of new products or programs to help provide better service to customers and stimulate new growth.
• Performs analysis of credit reports, business and personal tax returns, financial statements, cash flows, and pricing analysis.
• Proactively notifies customers of upcoming loan maturities, renewals and other loan events, ensuring receipt of all necessary documentation to complete loan renewals in a timely manner.
• Interviews loan applicants, analyzes financial information and makes appropriate loan decisions. Decisions must be based primarily on opinions derived from facts and projections based upon the best available information. Must abide by specified lending authority as dictated by the loan policy and procedures manual.
• Engages in other outside activities consistent with the company's responsibilities in the community and the industry.
• Maintains an active role in community affairs to improve the bank's visibility in the area.
• Assist in plans to reduce total past dues loans and non-earning assets to a level determined by the Bank Leadership.
• Requires the ability to interact effectively with all levels of bank personnel. Must efficiently communicate with bank customers, management, and department heads.

ADDITIONAL RESPONSIBILITIES

• Participates in Loan Committee meetings when appropriate.
• Maintains excellent working relationship with loan support staff.
• Responds to inquiries or refers inquiries to the appropriate department or person, exhibiting the necessary follow through with customers and/or staff involved.
• Performs all other duties assigned by supervisor.

JOB QUALIFICATIONS

• Bachelor degree from an accredited college with a concentration in accounting / finance preferred, or

Equivalent business related experience.

• Ability to work independently, establish priorities and procedures, and meet established goals.
• Strong personal leadership skills, organizational skills, and excellent communication skills, both verbal and written. Demonstrated ability and to communicate, both orally and written.
• Ability to analyze and summarize financial information, make presentations of that information, communicate its contents, and make recommendations for appropriate courses of action.
• Ability to travel to various locations to meet with customers and bank personnel.