Job Description
Job Description
Seeking a highly driven Portfolio Manager to oversee the ongoing portfolio management of C& I Lending clients, ensuring the growth of a robust portfolio encompassing both loan and non-loan business opportunities. The ideal candidate will analyze creditworthiness, closely monitor financial performance, and work collaboratively with the C& I Lending team while maintaining excellent client relationships.
Key Responsibilities:
- Manage and develop assigned C& I client portfolios, with a focus on expanding both lending and non-lending products.
- Conduct or review comprehensive credit analyses for both existing and prospective loan accounts.
- Prepare detailed loan narratives, addressing relationship history, financial analysis, collateral evaluation, and key credit risks.
- Proactively gather and update financial and related documentation for clients, ensuring compliance with monitoring protocols.
- Assess and analyze personal and business financial statements, tax returns, and other financial data.
- Draft written reports for loan presentations, modifications, and credit file comments, following loan policy, procedures, and compliance standards.
- Recommend suitable risk ratings for loans based on thorough analysis.
- Review and monitor loan covenants to ensure compliance with agreements.
- Serve as a backup for team members, assisting with customer service requests and inquiries.
- Monitor the overall C& I loan portfolio, including maturity schedules, delinquencies, credit changes, and deposit account activities.
Qualifications:
- 4+ years of experience in banking credit roles or currently managing a portfolio
- Ideal candidate is coming from Small Business, Middle Market, and Structured Finance focuses.
- Deep understanding of personal/business financial statements and tax documentation.