Commercial Portfolio Manager I
First Financial Bank

Job Info

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The Commercial Portfolio Manager ("Portfolio Manager") is primarily responsible for assisting the Director of Underwriting in managing Oak Street's portfolio in adherence to Bank policies and procedures and in accordance with sound risk management practices at all times. Responsibilities of portfolio management include in person client meetings, analysis and evaluation of client's financial and collateral performance, adherence to all aspects of the Bank's loan documentation and credit approval conditions and preparation and active participation in portfolio reviews less than $3.0 million in commitments. Portfolio managers gather, analyze, and understand financial statements and other documents to evaluate the risk of portfolio. They perform qualitative and quantitative analysis and develops narrative for submission to credit and are key members of the deal team in achieving the Bank's goals of continued portfolio growth along with prudent risk management.

Essential Functions/Responsibilities

• Responsible for ongoing client relationship development and maintenance including client onsite visits and periodic client telephone visits to maintain effective knowledge of the client's current and proposed business activities.
• Expands existing client relationships by proactively reviewing client's current and changing financial needs including line of credit renewals and increased funding to clients.
• Develop a comprehensive understanding of client's needs based on the review and analysis of personal and financial data in order to deepen current, profitable client relationships.
• Responsible for maintaining the credit quality of the assigned portfolio.
• Works with Credit partner(s) to:
  • Complete the loan approval form including careful underwriting of the loan so that the structure meets the needs of the borrower and the bank and in obtaining appropriate approval for credit under consideration, including new transactions on occasion; and
  • Reviews and evaluates monthly borrower financial and collateral performance, including spreading and analyzing financial statements and budgets, reviewing collateral trends, and verifying borrower compliance with all financial covenants and reporting requirements.
  • Actively participates in the new deal process, including assisting in the preparation of opportunity memos and deal models.
  • Integrates activities with the Collateral Monitoring Group in Credit Administration to ensure the Bank is aware of, properly maintaining, and otherwise pro-active in determining appropriate client collateral reserves, rates of advance, and other aspects impacting the Bank's collateral position, including maintaining current risk grades..
  • Prepares and actively participates in periodic portfolio reviews with management with the goal of reporting on borrower financial performance to underwritten expectations, key collateral trends, review the appropriateness of designated risk ratings, and other risk management and relationship management issues of importance.
  • Performs a variety of sales activities in an inside sales capacity. Proactively analyzes the portfolio to identify opportunities, mine cross-LOB opportunities and make cross-LOB referrals. Performs client prospecting duties, including client calling efforts and setting appointments.
• Serves as a bridge between Credit and Sales. Analyzes the portfolio to prepare for quarterly and annual reviews. Develops spreads and risk ratings for deals in the proposal stage. Completes PLR and LCT analyses. Manages the annual renewal process, including the renewal schedule, meeting with clients, analyzing credit and client business activity, interfacing with Credit and identifying cross-sell opportunities.
• Performs account administration activities. Follows up with clients to gather documentation and obtain signatures. Works with Relationship Managers and clients to clear exceptions. Conducts analysis for the monthly borrowing base to identify collection needs.
• Works with Director of Underwriting to gather information on the portfolio and creation of reports to management.
• Coordinates the approval and reporting process for quarterly covenant reviews.
• Works with Director of Underwriting on special projects.
• Coordinates the documentation of loan facilities with outside legal counsel to ensure and protect the Bank's rights and remedies to properly secure and collect the Bank's outstanding loans.

Minimum Knowledge, Skills, and Abilities Needed to Perform Essential Functions of the Job

• Bachelor's degree.
• 5 years of Commercial banking and/or Credit Underwriting experience.
• Experience with Excel, Word and PowerPoint.
• Excellent interpersonal, written and verbal communication and presentation skills.
• Excellent organizational skills and ability to handle and prioritize multiple tasks.
• Well-developed analytical and problem-solving skills.
• Ability to work effectively with individuals and groups in managing customer relationships.

Preferred Knowledge and Skills

• Familiarity with nCino and financial spreading software

Level of Complexity and Scope

• Uses judgement on what structure and covenants should apply.
• Uses judgment during deal screens to either eliminate or enforce certain requirements.
• Uses judgement on what structure and covenants should apply.

Degree of Independence and Decision-Making

• Works under limited supervision.

Required Supervisory Responsibilities

• Mentorship as needed by business
• No direct supervisory requirements

Physical Requirements

• Occasionally lifts and carries up to 10 lbs.
• Frequently stands and sits
• Periodic travel including client visits. May also attend industry trade shows and/or conferences.

Compliance Statement

The associate is responsible for meeting all compliance requirements imposed on First Financial Bank by State and Federal law and regulation, as well as all related First Financial Bank policies and procedures. This includes all Bank Secrecy Act, Anti-Money Laundering, OFAC and Suspicious Activity reporting requirements, as well as all other lending and deposit compliance requirements.

Development and Training

It is our policy to not discriminate against any individual in violation of federal, state, and local laws as it relates to age, race, color, religion, national origin, sex, marital status, pregnancy, gender identity, disability, sexual orientation, genetic information, veteran/military service, or any other characteristic protected by law.

We are an E-Verify Employer.

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