商业投资组合经理II
Commercial Portfolio Manager II
我们做正确的事，现在就做。我们以对客户有意义的方式行事。成为我们历史的一部分，让它继续书写！
如果你对该职位感兴趣且符合要求，请申请。
商业组合经理（“组合经理”）主要负责根据银行的政策和程序，以及在任何时候遵循良好的风险管理实践，管理分配的客户关系组合。组合管理的职责包括亲自与客户会面、分析和评估客户的财务和抵押品表现、遵守银行贷款文件和信用审批条件的所有方面，并准备并积极参与组合审查。组合经理收集、分析和理解财务报表和其他文件，以评估组合的风险。他们进行定性和定量分析，并为提交信用部门准备叙述性材料，是实现银行持续组合增长和审慎风险管理目标交易团队的关键成员。
主要职责/工作内容
- 负责持续的客户关系发展和维护，包括客户现场访问和定期电话访问，以保持对客户当前和计划业务活动的有效了解。
- 通过主动审查客户的当前和变化的财务需求，拓展现有的客户关系。
- 基于对个人和财务数据的审查和分析，深入了解客户的需求，以加深当前的、盈利的客户关系。
- 负责维护所分配组合的信用质量。
- 与信用合作伙伴合作：
- 完成贷款批准表，包括仔细的贷款承销，使结构满足借款人的需求和银行的需求，并获得对考虑中的信用的适当批准；以及
- 审查和评估每月借款人财务和抵押品表现，包括编制和分析财务报表和预算，审查抵押品趋势，并核实借款人是否遵守所有财务契约和报告要求。
- 积极参与新交易流程，包括协助准备机会备忘录和交易模型。
- 与信用部门的抵押品监控小组整合活动。
查看英文原文
We do the right things, right now. We do them in a way that is relevant to our clients. Become a part of our history as it continues to be written!
If you are interested and qualified for this role, we invite you to apply.
The Commercial Portfolio Manager (“Portfolio Manager”) is primarily responsible for managing a portfolio of assigned relationships in adherence to Bank policies and procedures and in accordance with sound risk management practices at all times. Responsibilities of portfolio management include in person client meetings, analysis and evaluation of client’s financial and collateral performance, adherence to all aspects of the Bank’s loan documentation and credit approval conditions and preparation and active participation in portfolio reviews. Portfolio managers gather, analyze, and understand financial statements and other documents to evaluate the risk of portfolio. They perform qualitative and quantitative analysis and develops narrative for submission to credit and are key members of the deal team in achieving the Bank’s goals of continued portfolio growth along with prudent risk management.Essential Functions/Responsibilities
- Responsible for ongoing client relationship development and maintenance including client onsite visits and periodic client telephone visits to maintain effective knowledge of the client’s current and proposed business activities.
- Expands existing client relationships by proactively reviewing client’s current and changing financial needs.
- Develop a comprehensive understanding of client’s needs based on the review and analysis of personal and financial data in order to deepen current, profitable client relationships.
- Responsible for maintaining the credit quality of the assigned portfolio.
- Works with Credit partner(s) to:
- Complete the loan approval form including careful underwriting of the loan so that the structure meets the needs of the borrower and the bank and in obtaining appropriate approval for credit under consideration; and
- Reviews and evaluates monthly borrower financial and collateral performance, including spreading and analyzing financial statements and budgets, reviewing collateral trends, and verifying borrower compliance with all financial covenants and reporting requirements.
- Actively participates in the new deal process, including assisting in the preparation of opportunity memos and deal models.
- Integrates activities with the Collateral Monitoring Group in Credit Administration to ensure the Bank is aware of, properly maintaining, and otherwise pro-active in determining appropriate client collateral reserves, rates of advance, and other aspects impacting the Bank’s collateral position.
- Prepares and actively participates in periodic portfolio reviews with management with the goal of reporting on borrower financial performance to underwritten expectations, key collateral trends, review the appropriateness of designated risk ratings, and other risk management and relationship management issues of importance.
- Performs a variety of sales activities in an inside sales capacity. Proactively analyzes the portfolio to identify opportunities, mine cross-LOB opportunities and make cross-LOB referrals. Performs client prospecting duties, including client calling efforts and setting appointments.
- Serves as a bridge between Credit and Sales. Analyzes the portfolio to prepare for quarterly and annual reviews. Develops spreads and risk ratings for deals in the proposal stage. Completes PLR and LCT analyses. Manages the annual renewal process, including the renewal schedule, meeting with clients, analyzing credit and client business activity, interfacing with Credit and identifying cross-sell opportunities.
- Performs account administration activities. Follows up with clients to gather documentation and obtain signatures. Works with Relationship Managers and clients to clear exceptions. Conducts analysis for the monthly borrowing base to identify collection needs.
- Coordinates the documentation of loan facilities with outside legal counsel to ensure and protect the Bank’s rights and remedies to properly secure and collect the Bank’s outstanding loans.
Minimum Knowledge, Skills, and Abilities Needed to Perform Essential Functions of the Job
- Bachelor's degree.
- 7 years of Commercial banking and/or Credit Underwriting experience.
- Experience with Excel, Word and PowerPoint.
- Excellent interpersonal, written and verbal communication and presentation skills.
- Excellent organizational skills and ability to handle and prioritize multiple tasks.
- Well-developed analytical and problem-solving skills.
- Ability to work effectively with individuals and groups in managing customer relationships.
Preferred Knowledge and Skills
Level of Complexity and Scope
- Uses judgement on what structure and covenants should apply.
- Uses judgment during deal screens to either eliminate or enforce certain requirements.
Degree of Independence and Decision-Making
Required Supervisory Responsibilities
· May be responsible for directly managing Market Support Specialist(s)
Physical Requirements
- Occasionally lifts and carries up to 10 lbs.
- Frequently stands and sits
- Periodic travel including client visits. May also attend industry trade shows and/or conferences.
Compliance Statement
The associate is responsible for meeting all compliance requirements imposed on First Financial Bank by State and Federal law and regulation, as well as all related First Financial Bank policies and procedures. This includes all Bank Secrecy Act, Anti-Money Laundering, OFAC and Suspicious Activity reporting requirements, as well as all other lending and deposit compliance requirements.
Development and Training
Pay Range:
$130,000/year to $138,000/year
Benefits
We have relevant, thoughtful benefits and programs that support every aspect of our associates' holistic wellbeing. Please review our Benefits Guide.
Incentive Eligibility
All roles are incentive eligible with the exception of Co-Op, Intern, or Student positions.
It is our policy to not discriminate against any individual in violation of federal, state, and local laws as it relates to age, race, color, religion, national origin, sex, marital status, pregnancy, gender identity, disability, sexual orientation, genetic information, veteran/military service, or any other characteristic protected by law.
We are an E-Verify Employer.
Originally posted on Himalayas