What are the responsibilities and job description for the 21R Commercial Portfolio Manager II position at The Adam Corporation Group?
COMMERCIAL PORTFOLIO MANAGER II
Location: College Station, TX
Summary:
Provides support to commercial relationship managers which includes: preparation of credit approval packages, annual reviews, renewals of credits, credit and non-credit proposals, coordination of loan closings and non-credit account set-ups. Acts as a secondary contact on client relationships. Coordinates credit and loan portfolio administration support for several commercial relationship managers.
Job Functions:
- Provides accurate financial analysis and risk assessment of new and existing clients.
- Reviews and spreads financial statements and prepares comprehensive financial analysis on the creditworthiness of the borrower.
- Underwriting, structuring, and risk rating of credit requests for new and existing client relationships.
- Prepares FACT sheets and credit approval packages and presentation documents.
- Responsible for ensuring all reviews and renewals of C&I and CRE loans are reviewed and re-documented (if necessary) timely, prior to becoming an administrative past due issue.
- Responsible for monitoring of covenants, covenant compliance, borrowing base certificates and other conditions of credit.
- May participate in on-site client visit with commercial relationship manager.
- Interprets and evaluates consumer credit bureau reports, Dun & Bradstreet business reports and public records.
- May perform other tasks and assist in projects as needed.
Position Requirements:
- Bachelor’s Degree in Business, Finance, Accounting or related discipline.
- 7 years previous commercial portfolio experience or commercial loan and underwriting experience in a financial services environment.
Key Qualifications:
- Excellent oral and written communication skills
- Ability to make sound transactional decisions to ensure polices and directives are met.
- Ability to promote a client-service environment responding to client concerns as well as ongoing client relationship support.
- Ability to effectively interact with credit administration .
- Demonstrates understanding of credit servicing.
- Knowledgeable of computer systems including databases, Microsoft Office products, etc.
- Experience with credit analysis software.