What are the responsibilities and job description for the Commercial Portfolio Manager III position at Origin Bank?
Summary Daily management of assigned commercial loan relationships for Commercial Relationship Bankers (CRBs), including providing a high level of customer support, obtaining financial and collateral information, monitoring covenant and borrowing base compliance, taking ownership of managing CRB exception lists, assisting in the preparation of the credit approval packages, preparation of term sheets and commitment letters, and documenting and closing requests by performing the following duties.
Duties and Responsibilities include the following.
May supervise employees of the Lending team such as Commercial Portfolio Managers. Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities may include and training employees; planning, assigning, and directing work; appraising performance in conjunction with management; rewarding and disciplining employees; addressing complaints and resolving problems.
Competencies - To perform the job successfully, an individual should demonstrate the following competencies:
Analytical and Design - Collects and researches data; Demonstrates attention to detail.
Problem Solving - Identifies and resolves problems in a timely manner; Develops alternative solutions.
Interpersonal Skills/Customer Service - Maintains confidentiality; Responds promptly to customer needs; Meets commitments.
Oral and Written Communication - Listens and gets clarification; Responds well to questions; Writes clearly and informatively; Able to read and interpret written information.
Teamwork - Contributes to building a positive team spirit; Supports everyone's efforts to succeed.
Organizational Support - Follows policies and procedures; Supports organization's goals and values.
Judgment and Motivation - Exhibits sound and accurate judgment; Includes appropriate people in decision-making process.
Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently.
Professionalism - Reacts well under pressure; Treats others with respect and consideration regardless of their status or position.
Adaptability and Innovation - Adapts to changes in the work environment; Manages competing demands; Develops innovative approaches and ideas.
Attendance/Punctuality and Dependability - Follows instructions, responds to management direction; Commits to long hours of work when necessary to reach goals.
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. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Education And/or Experience
Bachelor's degree (B. A.) from four-year college or university; preferably in Finance, Business, Accounting or related field; minimum of seven to ten years credit analysis and/or lending experience or until candidate has achieved a level of proficiency where minimal guidance from CRBs and/or Management is required to perform outlined duties and responsibilities; working knowledge of federal/state laws related to banking/lending practices; or equivalent combination of education and experience. Advanced knowledge of credit policies, procedures and terminology preferred.
Computer Skills
To perform this job successfully, an individual should have knowledge of the Internet, Outlook, Microsoft Word and Excel. Ability to learn bank-specific software such as MPC, IBS, ADP, etc. Ability to use basic office machines.
Bank Culture/Customer Service Skills
Ability and judgment to interact and communicate appropriately with other employees, customers and supervisor. Ability to serve customers, both internal and external, (community/public) in a manner that will reflect superior customer relations and enhance the overall marketing effort of Origin Bank.
Physical Demands While performing the duties of this job, the employee is frequently required to stand; walk; sit; use hands to finger, handle, or feel and talk or hear. The employee is occasionally required to reach with hands and arms; climb or balance and stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision and ability to adjust focus.
Work Environment The noise level in the work environment is usually moderate.
This job description reflects management's assignment of essential functions. It does not prescribe or restrict the tasks that may be assigned. Origin Bank shall, in its discretion, modify or adjust the position to meet the Bank’s changing needs. This job description is not a contract and may be adjusted as deemed appropriate in the Bank’s sole discretion.
Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, pregnancy, genetic information, disability, status as a protected veteran, or any other protected category under applicable federal, state, and local laws. Know Your Rights
Remote positions are intended to be filled in states within our footprint, which includes: Alabama, Florida, Louisiana, Mississippi, and Texas. Any exception to this policy requires further regulatory review and approval by management.
Duties and Responsibilities include the following.
- Serves as a client relationship representative to all customers by listening, researching, and providing complaint/inquiry resolution as needed.
- Provides strong levels of support with minimum supervision to CRBs and the entire lending team on commercial relationships.
- Ensures compliance with legal, regulatory and credit policies on loan documentation, credit approvals and funding, correcting exceptions, and monitoring resolutions.
- Coordinates credit underwriting process and works with Senior Credit Officers on preparation of credit approval packages.
- Monitors loan agreement covenants and borrowing base compliance, as well as report exceptions.
- Ensures ongoing timely receipt of financial information consistent with bank policy.
- Proactively ensures expiring credit facilities are re-underwritten and appropriately re-established.
- Assists in drafting loan agreements, term sheets, commitment letters, and closing instructions to counsel, as requested by CRBs.
- Consults with Relationship Managers and Credit to make recommendations on risk ratings.
- Reviews equipment and real estate appraisals in conjunction with Relationship Managers.
- Assists with Watch List credits (prepares CARs; communicates with customers regarding reducing credit exposure, paying off or refinancing notes, or rehabbing operational and financial results).
- Develops and administers pre-credit analysis function on credit relationships.
- Assists relationship managers in structuring credits, assessing covenants, and monitoring procedures.
- Performs loan reviews/annual reviews on selected borrowers and guarantors for credit relationships.
- Inputs loan requests and supporting information into loan processing software.
- Identifies and follows up on specific leads offering business development opportunities, promoting the bank’s services (including investment and insurance referrals), placing the prospect in contact with the appropriate bank personnel and following through to determine the results of the meeting.
- Judges potential qualified clients/deals, structuring deals to balance risk and reward, recognizing early warning signs and closely monitoring clients to anticipate changes in risk rating. Proactively identifies issues and restructures relationship to mitigate potential future risk.
- Oversees and ensures safe and sound underwriting/credit practices and provides leadership to ensure sound lending activities.
- Assists with market analytics to develop reports to be used across the bank.
- Compiles and analyzes market loan portfolio data.
- Helps in some parts of the annual budgeting process (i.e. estimated unused/admin fee income, quarterly Watch List balance projections).
- Participates in special projects and assignments for Market President.
- If supervising others:
- Delegates new loan opportunities, loan renewals, and annual renewals.
- Provides guidance in the preparation of credit packages.
- Monitors workflow to ensure loan packages are being completed thoroughly and submitted to Credit in a timely fashion.
- Maintains an active role in community affairs by participation in community organizations/projects to improve the bank’s visibility in the area and enhance business opportunities.
May supervise employees of the Lending team such as Commercial Portfolio Managers. Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities may include and training employees; planning, assigning, and directing work; appraising performance in conjunction with management; rewarding and disciplining employees; addressing complaints and resolving problems.
Competencies - To perform the job successfully, an individual should demonstrate the following competencies:
Analytical and Design - Collects and researches data; Demonstrates attention to detail.
Problem Solving - Identifies and resolves problems in a timely manner; Develops alternative solutions.
Interpersonal Skills/Customer Service - Maintains confidentiality; Responds promptly to customer needs; Meets commitments.
Oral and Written Communication - Listens and gets clarification; Responds well to questions; Writes clearly and informatively; Able to read and interpret written information.
Teamwork - Contributes to building a positive team spirit; Supports everyone's efforts to succeed.
Organizational Support - Follows policies and procedures; Supports organization's goals and values.
Judgment and Motivation - Exhibits sound and accurate judgment; Includes appropriate people in decision-making process.
Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently.
Professionalism - Reacts well under pressure; Treats others with respect and consideration regardless of their status or position.
Adaptability and Innovation - Adapts to changes in the work environment; Manages competing demands; Develops innovative approaches and ideas.
Attendance/Punctuality and Dependability - Follows instructions, responds to management direction; Commits to long hours of work when necessary to reach goals.
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. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Education And/or Experience
Bachelor's degree (B. A.) from four-year college or university; preferably in Finance, Business, Accounting or related field; minimum of seven to ten years credit analysis and/or lending experience or until candidate has achieved a level of proficiency where minimal guidance from CRBs and/or Management is required to perform outlined duties and responsibilities; working knowledge of federal/state laws related to banking/lending practices; or equivalent combination of education and experience. Advanced knowledge of credit policies, procedures and terminology preferred.
Computer Skills
To perform this job successfully, an individual should have knowledge of the Internet, Outlook, Microsoft Word and Excel. Ability to learn bank-specific software such as MPC, IBS, ADP, etc. Ability to use basic office machines.
Bank Culture/Customer Service Skills
Ability and judgment to interact and communicate appropriately with other employees, customers and supervisor. Ability to serve customers, both internal and external, (community/public) in a manner that will reflect superior customer relations and enhance the overall marketing effort of Origin Bank.
Physical Demands While performing the duties of this job, the employee is frequently required to stand; walk; sit; use hands to finger, handle, or feel and talk or hear. The employee is occasionally required to reach with hands and arms; climb or balance and stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision and ability to adjust focus.
Work Environment The noise level in the work environment is usually moderate.
This job description reflects management's assignment of essential functions. It does not prescribe or restrict the tasks that may be assigned. Origin Bank shall, in its discretion, modify or adjust the position to meet the Bank’s changing needs. This job description is not a contract and may be adjusted as deemed appropriate in the Bank’s sole discretion.
Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, pregnancy, genetic information, disability, status as a protected veteran, or any other protected category under applicable federal, state, and local laws. Know Your Rights
Remote positions are intended to be filled in states within our footprint, which includes: Alabama, Florida, Louisiana, Mississippi, and Texas. Any exception to this policy requires further regulatory review and approval by management.
