Portfolio Manager

SUMMARY OF JOB:

Collect, compile, and analyze credit information for Portfolio Managers, Bankers, and Credit Administration to facilitate portfolio monitoring and lending decisions for commercial credit requests (C&I, Real Estate, Agricultural, Construction, Private Banking, SBA, etc.) for both existing and prospective customers. Will work closely with Customers, Bankers, Portfolio Managers and Credit Administration to review customer accounts and portfolios in order to identify, evaluate, and determine the appropriate course of action in order to maximize credit quality and minimize risk and potential loss to the Bank.

ESSENTIAL JOB RESPONSIBILITES:

• Conduct credit and statistical analyses for C&I, Real Estate, Agricultural, Construction, Private Banking, SBA and other commercial requests. Analyze output to include spreads, cash flows, and credit displays with accurate, thorough and thoughtful documentation. In addition, assist in completing covenant tests, portfolio monitoring, and annual reviews.
• Organize, analyze, and summarize financial statements, cash flow data, tax returns, appraisals, rent rolls/tenant leases, collateral support, Borrower/Guarantor credit histories and other related materials in process of analyzing credit requests. Identify key credit risks and mitigating factors and provide a summary of credit-worthiness and risk involved of client and transaction.
• Collect and compile pertinent credit data to prepare financial spreads, cash flows and credit displays. Assist Bankers and Loan Assistants with ongoing portfolio monitoring (financial reporting, loan covenants, annual reviews, etc.) of Customers’ financial performance based on existing Bank polices and loan agreements. Manage loan renewal and credit exceptions.
• Calculate pertinent financial ratios appropriate for transactions and other financial data as appropriate.
• Collaborate with Bankers on joint calls with existing and potential customers to better understand lending deal and make appropriate recommendations.
• Maintain current knowledge and follow all bank financial and security regulations and procedures.
• Embody, embrace, and demonstrate InBank’s Core Values: Commitment, Innovation, Responsibility, Teamwork, Happiness, and Authenticity.
• Other duties as assigned

SPECIFIC DUTIES AND RESPONSIBILITIES:Customer Service: Ability to work effectively with both internal and external contacts.

Financial: Proficient knowledge of commercial banking, economics, accounting, and finance
Administrative Duties: Not Applicable
Autonomy: Discretion for recognizing and minimizing risk to the bank.
Employees Supervised: Not Applicable
Budget Responsibility: Not Applicable

Education:

• High School Diploma; College Degree Preferred

Work Experience:

• 2+ years of experience in credit analysis and/or lending activities 4-5 years of retail experience

Supervisory Experience:

• Not Applicable

Licenses/Accreditations:

• None required

Computer Skills:

• Intermediate skills with Microsoft Office Suite, Analysis Software (Moody’s, MetroStudy)

Other Requirements:

• Proficient working knowledge of financial and spread analysis, credit, lending, and underwriting processes and principles.
• Proficient working knowledge of credit risk and relationship manager teams.
• Solid internal and external relationship and communication skills – both verbal and written.
• Strong organizational skills and ability to multi-task efficiently and accurately in a production-oriented environment.
• Ability to make sound decisions and recommendations regarding credit risk (quality, structure, etc.).
• Ability to think critically, operating independently, and take accountability.
• Occasional travel may be required for meetings/trainings.
• Must be able to use fingers, hands, and wrists for repetitive tasks such as typing, using a mouse, handling paper, and operating a telephone.

Preferred Skills/ Experience:

• Critical thinking and problem solving.
• Strong attention to detail and accuracy; professional and courteous communication skills.
• Ability to effectively communicate between key internal business partners.