CRE Portfolio Manager II

In this role you will have the opportunity to:

• Analyze and investigate credit and financial information on prospective and existing customers. Perform credit inquiries for the Bank and analysis of data provided by customers, credit bureaus, other financial institutions, and Bank files.
• Prepare credit requests, modifications, and extensions within the portfolio. Provide credit and project analysis, risk assessments, summaries, and recommendations for CRE Relationship Managers and Credit Administration on new and existing credits.
• Collaborate with Loan Administration and Credit Administration in loan closings. Review loan documentation, entity documentation, assist with loan budget preparation, and provide other support as necessary.
• Responsible for the tracking and analysis of financial information of new, renewed, and existing loans. Monitor loan terms for covenant compliance on existing loans. Regularly establish, review, and update new and existing loan files. Ensure maintenance of the loan monitoring system.
• Responsible for the management of financial information files to ensure current reports, statements, accounts receivable, and other information on customer accounts. Manage credit files to ensure receipt of current and accurate financial information, including tax returns, inventory, credit reports, financial statements, cash flows, and contingent liabilities. Responsible for all master file maintenance and quality.
• Work closely with CRE Relationship Managers in establishing and maintaining proper documents related to the perfection of the Bank’s lien position on loans secured by various collateral. Provide technical or advisory assistance to CRE Relationship Managers as requested. Maintain loan policy manuals and updates.
• Assist CRE Relationship Managers in management of customer relationships as needed.
• Perform site visits of existing and potential projects as necessary.
• Responsible for (in conjunction with CRE Relationship Manager) managing portfolio priorities, including reporting issues, maturities, delinquencies, and loan performance (including construction progress through absorption and lease-up performance, covenant compliance, and the appropriateness of ongoing risk ratings). Assist with periodic external and internal loan reviews.
• Responsible for complying with policies, procedures, security requirements, and government regulations. Ensure adherence and compliance to company and credit policies, auditing procedures, and department goals and standards.

Education & Certifications

• Bachelor's Degree: Accounting, Business, Economics, Law, Computer Science or other related field required (an equivalent combination of education and experience may be considered)

Experience

• 6 or more years of banking credit analysis experience required

Knowledge, Skills and Abilities

• Advanced analytical skills and working knowledge of financial accounting with ability to spread and analyze financial statements, cash flows, and tax returns for companies and individuals with moderate to complex structures to determine financial support feasibility for credit requests.
• Knowledge of company formation structures with ability to identify borrowing and guaranty structures.
• Advanced skills managing portfolio needs including reporting issues, concentrations, maturities, delinquencies, and loan performance (including construction progress through absorption and lease-up execution, covenant compliance, and the appropriateness of ongoing risk ratings).
• Possess excellent verbal and written communication, organizational, and interpersonal skills. Ability to effectively manage customer relationship and maintenance issues in the absence of CRE Relationship Managers.
• Ability to understand client needs, identify potential cross-sell opportunities, and participate in team calling goals involving joint retention calls and prospecting activity.
• Proficient in Word, Excel, Teams, SharePoint and other similar programs.
• Knowledge of federal and state laws and regulations relating to Commercial Real Estate Lending.

Travel

• 20%