Job Description
TBK Bank, SSB seeks a qualified Portfolio Manager to work with assigned lenders to achieve lending goals by assisting with portfolio management and providing an in depth monitoring process on assigned credits. Under general supervision, will examine, evaluate, and authorize or recommend approval of customer applications for commercial loan and leases. Will manage risk and solicit cross-selling opportunities and service the current client base.
Position Description:Essential duties and responsibilities include the following. Other duties may be assigned.
- Evaluates quality of commercial loans and recommends risk ratings based on borrowers financial strength and probability of loan repayment.
- Prepares applications for Loan Committee.
- Writes summary of analysis and reason for recommending adverse risk rating.
- Assists loan officers with monitoring of the loan relationship and portfolio. Examines and tests all Borrowing Base Certificates and Covenants for compliance with loan agreements.
- Prepares various reports.
- Evaluates information to determine if lending guidelines have been followed, compliance with banking regulations and documentation is complete and accurate.
- Assists in investigations and reviews to identify problem loans and deficiencies.
- Underwrites new transactions and document renewals, modifications and covenant violations
- Review commitment letters; reviews and approve annual reviews in support of underwriting for report to loan committee
- Assists loan document negotiations
- Support the growth and development and reduce risk of the assigned commercial lending loan portfolio by effectively managing client portfolios.
- Effectively monitor portfolio for risk revenue opportunities and/or loan exposure
- Assist in the sales proposal process, including accompanying the lenders on customer and prospect calls and various other sales/customer oriented projects
- Establish and maintain relationships with current and prospective clients. Leverage customer knowledge to proactively identify and recommend opportunities to cross-sell additional loan and non-credit products to clients
- Manage loans through the lending process and present loan requests and renewals to Senior Management and Loan Committee
- Work with clients to modify and/or restructure existing loans as needed
- Help resolve credit problems, delinquent payment issues, and other related affairs
- Review current account status, to include but not limited to, Past Due accounts and Notes Matured. Make appropriate recommendations for these accounts
- Monitor portfolio loan exposure including review of monthly maturity reports, daily overdraft activity reports and weekly past dues reports. Reports deteriorating credit situations in a timely manner
- Promotes and implements the bank's sales culture and service philosophies.
- Bachelors Degree required, major in Finance or Accounting preferred
- Minimum of three years credit analysis experience and/or training or equivalent combination of education and experience.
Compensation Range
Annual Salary: $70,000.00 - $110,000.00
We offer Medical, Dental, Vision, Paid Time Off, 401k and much more.
Go on. Do it. Apply Today!OUR BUSINESS
Were a diversified financial service company that provides community banking, national lending and commercial finance solutions. We are also a leading provider of factoring services and an innovator of payment solutions for the transportation industry. Our focus on creating value helps our team members thrive, our customers succeed and our communities prosper.
We are proud to be an equal opportunity employer and we do not discriminate in recruitment, hiring, training, promotion, or other employment practices on the basis of age, race, gender, color, religion, national origin, disability, sexual orientation, veteran status, or any other basis that is prohibited by federal, state or local law.
OUR PURPOSE
Every day, we focus on creating value by helping our team members thrive, our customers succeed and our communities prosper. When we do this - we're Helping People Triumph.
OUR CORE VALUES
Our long-standing core values are based on sound business practices and biblical principles. They flourish in our culture which helps our team members thrive, our customers succeed and our communities prosper. We commit ourselves to:
? Transparency
? Respect
? Investing for the future
? Unique is good
? Mission is more than the money
? People make the difference
? Humility
FOCUS ON SERVING OTHERS
At Triumph, we focus on doing the most good in the areas of greatest needs through our philanthropic endeavors. Our philanthropic vision is focused in four areas:
? Training future leaders
? Establishing viable communities
? Giving people a second chance
? Serving the less fortunate
We support these initiatives at home and around the world. We partner with entrepreneurs who share our philanthropic priorities, have a history of effective assistance programs and are experts in their fields of service. This allows us to serve in places where we can create the biggest impact.