Commercial Portfolio Manager II

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Description

POSITION SUMMARY:

The Commercial/Ag Portfolio Manager is primarily responsible for the ongoing monitoring of the commercial loan portfolio, including risk rating recommendations, exception review, and relationship retention/expansion. Supports and participates in all commercial lending initiatives. Provides administrative, analytical, and support assistance for Commercial Bankers while acting as a liaison between the client, the Commercial Banker, and the Administrative Assistant to ensure all commercial clients are serviced professionally to meet and exceed the client expectations.

Additional responsibilities include the underwriting of complex commercial loan transactions via analysis of applications, tax returns, financial statements, and all other supporting documentation of commercial loan applicants. Research prevailing industry and market conditions. Makes credit recommendations for commercial loan requests. Analysis is performed through the examination and interpretation of historical and projected financial statements and related information, biographical data on a company and/or individual, market information, and credit reports, with a focus on determining a borrowers repayment ability. Assist the Credit Department in external loan reviews, safety and soundness exams, and the annual review function of the Bank, tracking missing financial items and review status by gathering financial items from customers.

Objectives Of This Role

• Manage a portfolio of accounts.
• Meet with clients and participate in business development calls.
• Assess prospective client’s viability for credit.
• Become a policy and procedure expert and recommend appropriate revisions, when necessary.
  
  

Responsibilities

• Review and recommend credit decisions.
• Partner with Commercial Banker and the Administrative Assistant to form a team of bankers to serve the client.
• Define Borrowers and Guarantors, deal structure, credit terms and conditions, and financial covenants.
• Value collateral both at loan inception and during the loan term.
• Generate Commitment Letters.
• Perform risk rating analysis and provide recommendations for changes to the appropriate authority.
• Capture and document credit decisions, conditions, and modifications.
• Collaborate with Credit Analysts to facilitate loan underwriting, decisioning, and closing.
• Perform various monitoring actions to insure covenant and collateral compliance.
• Communicate directly with clients regarding credit events and actions as necessary.
• Cross-sell all bank products and coordinate with other departments to do so. Utilize sales training skills to provide outstanding customer service.
• Analyze loan requests via financial statements, tax returns and other supporting reports.
• Prepare loan presentations for Management and Board of Directors.
• Review Bank documentation for completeness and accuracy.
• Attend and participate in Officer Meetings and Commercial Department meetings and in Loan Committee meetings.
• Address customer questions, inquiries and problems quickly and efficiently.
• Be actively involved in the community and community organizations to promote the bank within a market area.
• Participate in Educational opportunities when offered.
• Be aware of external credit enhancement programs such as Business Linked Deposit, SBA, Revolving Loan Programs, etc.
• Comply and satisfactorily pass tests for bank policy and regulatory compliance that apply to position.
  
  

Leadership

• Promote and encourage F&M culture and values; promotes a highly engaged and productive work environment, where employees feel comfortable speaking up about issues and can realize their best lives.
  
  

Requirements

QUALIFICATIONS:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

EDUCATION And/or EXPERIENCE

Bachelors degree (B. A.) from four-year college or university; and two to five years related experience and/or training; or equivalent combination of education and experience.

Language Skills

Ability to read, analyze, and interpret common scientific and technical journals, financial reports, and legal documents. Ability to respond to common inquiries or complaints from customers, regulatory agencies, or members of the business community. Ability to write speeches and articles for publication that conform to prescribed style and format. Ability to effectively present information to top management, public groups, and/or boards of directors.

Mathematical Skills

Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane and solid geometry and trigonometry. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.

REASONING ABILITY

Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.

ADDITIONAL REQUIREMENTS: CERTIFICATES, LICENSES, REGISTRATIONS

• Current Notary Public Commission (Optional)
• Valid driver’s license
  
  

Compliance

• As generally applicable to F&M Bank and commensurate with these job functions, this job role includes accountabilities for following Bank policies and related procedures, as well as regulatory requirements involving federal and state laws, regulations, and related guidance.
• Compliance with Bank Secrecy Act (BSA), including accurate completion of Currency Transaction Reports (CTR) when applicable, Anti-Money Laundering Act (AML), Office of Foreign Asset Control (OFAC) and the USA PATRIOT Act. Adhere to Customer Identification, Customer Due Diligence and reporting of suspicious activities to the BSA Department.
  
  

Leadership Competencies

• Managing Conflict: Listens well, diffuses conflict before it starts, finds solutions to problems in a constructive manner, handles difficult people.
• Agility: Ability to respond to changing conditions quickly with mechanisms in place to manage, mitigate, and minimize disruption.
• Leading Change: Champions organizational change initiatives. Assesses and adjusts to changing situations, implementing innovative solutions to make organizational improvements.
• Leading People: Designs and implements strategies that maximize employee potential in meeting the organization’s vision, mission, and goals. Provides an inclusive workplace that fosters the development of others to their full potential.

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