What are the responsibilities and job description for the Loan Portfolio Manager (Application MUST be completed for consideration) position at MACON BANK & TRUST COMPANY?
REQUIREMENTS/QUALIFICATIONS: Education and Experience: Bachelor’s degree in Finance, Business Administration or related field preferred. Minimum of 3 years of experience in banking, lending or credit analysis. Strong understanding of loan documentation, compliance and regulatory requirements.
OBJECTIVE: Overseeing and managing a portfolio of commercial and consumer loans to ensure compliance with bank policies, regulatory requirements, and risk management standards. This role focuses on maintaining credit quality, monitoring performance and supporting customer relationships to achieve the bank’s lending objectives.
ESSENTIAL FUNCTIONS: The following is a list of essential functions, which may be subject to change at any time and without advance notice. Management may assign new duties, reassign existing duties, or eliminate a function.
Portfolio Management: Monitor assigned loan portfolio for performance, risk indicators, and compliance; review loan documentation for accuracy and completeness; track maturities, renewals, and covenant compliance.
Risk Assessment: Identify potential credit risks and recommend corrective actions; prepare periodic risk reports for management review.
Customer Relationship: Serve as a contact for borrowers within the portfolio; respond to inquiries regarding loan terms, payments, and servicing.
Reporting & Analysis: Generate portfolio performance reports and present findings to management; assist in preparing regulatory and internal audit documentation. Preform detailed credit analysis on new and existing borrowers. Assess financial statements, cash flow and collateral adequacy. Prepare credit memos.
Collaboration: Work closely with loan officers, processors, and operations staff to ensure smooth servicing; support cross-functional projects related to lending and compliance.
Perform all task in accordance with Bank policies, operating procedures, internal and external audit as well as examiners regarding work procedures
Provide information for and support to external audits, compliance reviews, loan reviews, and regulatory examinations
Participate in bank functions / activities, some of which may be after normal banking hours
Other duties and responsibilities as may be assigned
OBJECTIVE: Overseeing and managing a portfolio of commercial and consumer loans to ensure compliance with bank policies, regulatory requirements, and risk management standards. This role focuses on maintaining credit quality, monitoring performance and supporting customer relationships to achieve the bank’s lending objectives.
ESSENTIAL FUNCTIONS: The following is a list of essential functions, which may be subject to change at any time and without advance notice. Management may assign new duties, reassign existing duties, or eliminate a function.
Portfolio Management: Monitor assigned loan portfolio for performance, risk indicators, and compliance; review loan documentation for accuracy and completeness; track maturities, renewals, and covenant compliance.
Risk Assessment: Identify potential credit risks and recommend corrective actions; prepare periodic risk reports for management review.
Customer Relationship: Serve as a contact for borrowers within the portfolio; respond to inquiries regarding loan terms, payments, and servicing.
Reporting & Analysis: Generate portfolio performance reports and present findings to management; assist in preparing regulatory and internal audit documentation. Preform detailed credit analysis on new and existing borrowers. Assess financial statements, cash flow and collateral adequacy. Prepare credit memos.
Collaboration: Work closely with loan officers, processors, and operations staff to ensure smooth servicing; support cross-functional projects related to lending and compliance.
Perform all task in accordance with Bank policies, operating procedures, internal and external audit as well as examiners regarding work procedures
Provide information for and support to external audits, compliance reviews, loan reviews, and regulatory examinations
Participate in bank functions / activities, some of which may be after normal banking hours
Other duties and responsibilities as may be assigned