Responsibilities:
Portfolio Management
Manages moderately large relationships (credits, deposits, and fee based products/services) that require more complex analysis
Performs or initiates account/loan maintenance as required
Acts as liaison for customer inquiries, issues account instructions; redirects questions and requests as necessary if issues relate to other departments
Ensures accuracy of information, data, and documentation for all portfolio accounts
Actively participates in customer meetings to further the relationship and expand business opportunities
Credit Management
For new and renewing loan requests, determines borrower credit-worthiness in accordance with credit policy and manages the request through the appropriate underwriting and closing processes
Ensures that loan transactions are properly documented
Conducts continuous review and administration of loans
Manages enterprise risk for products and services, including depository services and Treasury Management products
Reports credit risk issues in a timely manner
Business Development
Proactively reviews existing relationships for product penetration and calls on opportunities (loans, deposits, fees and non-credit products and services); issue proposals as appropriate
Identifies and refers business opportunities to internal product partners and other target market business lines
Increasingly seeks out referrals from existing customers and COI's
Qualifications:
Education Requirements
Bachelor's Degree
Minimum Experience
Minimum of 3 years of experience in commercial lending as a credit analyst, underwriting specialist, portfolio manager, or relationship manager with exposure to complex customers such as C&I and/ CRE transactions
Knowledge/ Skills/ Abilities
Solid knowledge of financial lending regulations
Strong knowledge of credit philosophy and policies as well as loan documentation
Strong verbal, written, and interpersonal skills, as well as analytic and problem solving skills
Intermediate knowledge of Microsoft Word, Excel, PowerPoint, Access, and Outlook (e.g. create templates, complete mail merges, insert and edit charts, create basic formulas, create queries)
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