Portfolio Manager

The Portfolio Manager I will ensure early identification of risk in the credit through review of gathered documentation.

Analyzes financial statements, industry risks, collateral, credit structure for possible deterioration in the overall credit risk profile of the borrower.

Review loan documents comparing them to the approved CAM to ensure loan documents are executed in accordance with the CAM and loan policy.

Assist Portfolio Manager II/III or Supervisor in preparation of CAR/Watch Reports for credits that are risk rated Pass Watch, participate in CAR/Watch meeting(s).

Review and make recommendation for resolution of covenant violations or needed modifications/forbearance including oversite and review of necessary documentation.

Manage assigned commercial loan portfolio exceptions through customer contact to ensure delivery of financial statements, tax returns and other required financial information under the loan agreement and ongoing servicing of the credit.

Review and ensure documents are uploaded to the document repository and ensure ticklers are appropriately maintained.

Monitor and collect delinquent loans in accordance with state and federal laws and regulations.