This role has the opportunity to work hybrid. During the interview process, our Talent Acquisition Team will share additional details with you. The principal functions of the Portfolio Manager are to (1) continuously monitor and assess the credit profiles of the customers in her/his assigned portfolio; (2) help retain customer relationships by providing exceptional service; (3) assist with routine issues such as overdrafts, wires, new account openings, etc.; (4) ensure that renewals, extensions and annual reviews are completed in a timely manner; (5) seek ways to enhance customer profitability by continuously looking for cross-sell opportunities; 6) replace runoff and amortization in the portfolio by selling deeper into the book of business and 7) continuously seek referral opportunities from current customers and centers of influence. Responsibilities: Portfolio Management Manages the most complex relationships (credits, deposits, and fee based products/services) that require the most 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 Acts as a subject matter expert to provide guidance and support to less experienced staff regarding customer questions and issues Mentors junior staff, manages workflow within the team Ensures accuracy of information, data, and documentation for all portfolio accounts 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 Properly documents loan transactions 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 4 years of experience in commercial lending as a credit analyst, portfolio manager, or relationship manager including managing the most complex customers such as C&I and/or CRE transactions Minimum of 2 years of commercial portfolio management experience Knowledge/ Skills/ Abilities Advanced knowledge of financial lending regulations Advanced 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 Advanced 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) Ability to quickly make sense of, combine, and organize information into meaningful patterns Ability to effectively plan, manage, and delegate to others Job Details: Regular In accordance with Colorado law: Colorado pay for this position is anticipated to be between $85,000.00 - $161,000.00 annually, actual offers to be determined based on applicant’s skills, experience and education. While the anticipated deadline for the job posting is 04-21-2024, we encourage you to submit your application as we may still consider qualified candidates beyond this date. To all recruitment agencies: Independent Financial does not accept agency resumes without formal engagement of the agency. Please do not forward resumes to Independent Financial employees or any other organization location. Independent Financial is not responsible for any fees related to unsolicited resumes. Independent Financial is host to a diverse group of professionals; offering careers in lending, finance, management, marketing, technology and much more. We welcome talented and capable people with a heart for community service, strong personal values and integrity to join our team. Let’s discover new opportunities, together. Become part of a team that provides a wide range of relationship-driven banking products and services tailored to meet the needs of businesses, professionals and individuals. ______________________________________________________ All full-time and part-time roles that are regularly scheduled for 30 or more hours per week are benefits eligible. We are pleased to provide industry-leading benefits, resources and support to our employees. ______________________________________________________ To be considered for this position, you must at least meet the basic qualifications. No phone calls or direct e-mails please. Pre-employment background screening will be conducted. Independent Financial is proud to be an equal opportunity workplace and is an affirmative action employer. We are committed to equal employment opportunity regardless of age, ancestry, color, gender (including pregnancy, childbirth, or related medical conditions), gender identity or expression, genetic information, marital status, medical condition, mental or physical disability, national origin, protected family care or medical leave status, race, religion (including beliefs and practices or the absence thereof), sexual orientation, military or veteran status, or any other characteristic protected by federal, state, or local laws. The job description does not constitute an employment agreement between the employer and employee. The above statements describe the general nature and level of work being performed within this classification. It is not designed to contain or be interpreted as a comprehensive list of all duties, responsibilities, and qualifications required of employees assigned to this job. If you require assistance at any stage of the employment application process due to a disability, please contact Human Resources at 469-301-2630. Independent Financial is a trademark of Independent Bank To all recruitment agencies: Independent Financial does not accept agency resumes without formal engagement of the agency. Please do not forward resumes to Independent Financial employees or any other organization location. Independent Financial is not responsible for any fees related to unsolicited resumes.