Come to work for a company you can be proud to represent...and enjoy fantastic, comprehensive benefits.
The hiring range for this opportunity is $84,000 to $152,375 annual salary along with incentive opportunities, creating a competitive total compensation package based on our pay scale, and may be modified by location and is commensurate with qualifications and experience.
Seeking a Portfolio Manager II or Senior Portfolio Manager with experience in the Farmer Mac program, real estate lending, and sales/business development . The ideal candidate will be willing and able to travel periodically throughout the Bank’s footprint to support customer relationships, business growth, and portfolio management.
Responsible for the growth and retention of assigned portfolio clients and collaborating with Relationship Managers to deepen and retain portfolio relationships. Through the cross selling of the bank’s products, services and forward-looking business planning to develop robust relationship service plans. Additional responsibilities will include the facilitating of comprehensive analysis that evaluates credit facilities in assigned portfolio to general income and maximize ROA.
Responsible for the growth and retention of assigned portfolio clients and collaborating with Commercial Banking Regional Manager to deepen, retain and grow portfolio relationships. Through the cross-selling of the bank’s products, services and forward-looking business planning to develop robust relationship service plans.
Additional responsibilities will include the facilitation of comprehensive analysis that evaluates credit facilities in assigned portfolio to generate income and maximize ROA.
- Primary contact for assigned Commercial or Business relationships across the banks’ footprint, to proactively retain and expand through regular contact.
- Provide preliminary analysis and information for annual reviews, renewals, and new relationships brought into the Bank. May provide underwriting for annual reviews, renewals, and new relationships brought into the Bank.
- Monitors and assists with the relationships’ profitability, retention and growth, responding timely to portfolio balance changes up to and including financial ticklers and covenant management.
- Maintain a loan portfolio, minimizing risk and maintaining delinquencies and weak loans according to Bank policy.
- Recommends and models appropriate loan structure for expanding relationships.
- Ensures all documentation necessary for completion of loan package is acquired.
- Coordinates with appropriate business partner, CLRM or Relationship Manager to identify customers for expansion and retention opportunities, focusing on value-added expertise.
- Conducts quarterly, semi-annual or annual business reviews, working closely with business partners, Branch Manager or Relationship Manager for historical financial reports, industry outlook resources and bench marking data for current and future financial solutions.
- Actively participates in research, preparation and understanding customer relationship and changes in the industry.
- Understands the Bank’s products and services and support Tri Counties’ strong Service with Solutions culture.
- Proactively identifies referral opportunities and introduces other business lines.
- Serve as primary contact for assigned Commercial or Business complex relationships across the Banks’ footprint, to proactively retain and expand through regular contact.
- Facilitate underwriting for annual reviews, renewals and expansion relationships within portfolio.
- Monitor the relationships’ profitability, retention and growth, responding timely to portfolio balance changes up to and including financial ticklers and covenant management.
- Maintain a complex loan portfolio, minimizing risk and maintaining delinquencies and weak loans according to Bank policy.
- Recommend and model appropriate loan structure for expanding relationships.
- Ensure all documentation necessary for completion of loan package is acquired.
- Coordinate with appropriate business partner or Regional Manager to identify customers for expansion and retention opportunities, focusing on value-added expertise.
- Conduct quarterly, semi-annual, or annual business reviews, working closely with business partners and Community Banking partners for historical financial reports, industry outlook resources and bench marking data for current and future financial solutions.
- Participate in research, preparation and understanding customer relationship and changes in the industry.
- Understand the Bank’s products and services and support Tri Counties’ Service with Solutions culture.
- Identify referral opportunities and introduces other business lines.
- Perform duties alongside Credit Administration associated with commercial banking relationships by analyzing financial data to determine the merits of specific loan requests and recommend structure as well as aggressively managing the customer relationship.
Other responsibilities, experience and related skills
- Portfolio Manager II and Senior Portfolio Manager
- Strong business acumen and ability to fully analyze and underwrite all types of loans.
- Superior understanding and analysis of financial statements, collateral, DSCR and covenant compliance.
- Review of credit risk rating and borrower/guarantor analysis.
- Ability to assess changes, clearly identify offsetting mitigates and summarize recommendations.
- Bachelor’s degree in accounting, finance or business administration, preferred
- 5 years of related experience required within financial industry
- Effective presentation skills to C-Suite executives and organizations.
- Experience with financial analysis programs and discounted cash flow models
- Good interpersonal skills, team oriented, and strong customer service skills
- High school diploma required; bachelor’s degree in accounting, finance or business administration, recommended.
- 7 years of related experience required within financial industry.
- Financial analysis experience and credit training, required.
- Strong business acumen and ability to fully analyze and underwrite all types of loans.
- Superior understanding and analysis of financial statements, collateral, DSCR and covenant compliance.
- Exceptional communication and analytical skills, and the ability to communicate effectively across all levels of financial literacy.
- Effective presentation skills to C-Suite executives and organizations.
- Experience with financial analysis programs and discounted cash flow models.
- Good interpersonal skills, team oriented, and strong customer service skills.