The Portfolio Manager Team Manager – Bank, REMOTE USA

Job Description

Premier Valley Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors.

Premier Valley Bank is a growing dynamic organization with many locations offering uniquely different banking and financial solutions for businesses and personal clients. As a performance driven company, we strive to create a culture of excellence with high standards, and high values while providing outstanding growth and involvement opportunities for employees. Join a team that makes “Great Things Happen!”™

The Portfolio Manager Team Manager – Bank leads a team of commercial banking credit portfolio managers responsible for underwriting Commercial and Ag Credit and assisting Commercial Bankers in managing their client relationships and commercial loan portfolios. The Team Manager underwrites Commercial and Ag credit exposures for existing and prospective customers in order to assess credit quality and minimize risk and potential loss. The position gathers, analyzes and interprets credit financial information for all types of credit requests, including complex relationships with larger dollar exposure and higher risk.

Primary Responsibilities
Implements process and procedural changes with their assigned banks.
Manages workflow and the assignment of commercial credit requests with attention to bank priority and Credit Admin service level agreements.
Serves as the primary contact for their assigned team, including assisting with the training of new staff and providing coaching, development, mentoring to the team including reviewing their work.
Manages team to obtain and review Compliance Certificates, Borrowing Base Certificates, associated receivable, payable, and inventory reports on a timely basis.
Manages team to monitor all covenants and follows up ups immediately on any covenants out of compliance.
Manages team to prepare Lender Annual Reviews.
Serves as the senior commercial credit underwriter for the assigned team/bank.
Works independently to appropriately and timely underwrite credit and develop the appropriate credit structure in relationship to the credit risk, specifically:
Analyzes historical and projected financial statements for business, personal borrowers and guarantors. Identify and analyze risks and repayment ability.
Evaluates the adequacy of loan structures and collateral position.
Identifies risks related to borrower operations. Understands the history of business, ownership, type of business entity, and industry/sector of the
Summarizes findings in a credit presentation (write-up) which will be utilized by the respective authorities as a basis for their approval decisions. Write-ups will summarize credit risks in a “Credit Comment”; identify loan policy exceptions; propose improvements to loan structure; assess the loan rating, and determine the probability and impact of default.
Reviews commercial loan file documentation for accuracy and compliance with approval requirements.
Keeps the Commercial Banker informed of the status of the credit and obtains concurrence from the Commercial Banker and Credit Officer on significant changes to proposed terms and conditions of the credit.
Holds weekly meetings with required individuals to ensure the pipeline of new and renewal requests are addressed in a timely manner.
Understands, detects, and reports the early warning signs of problem credits. Minimize the risk of credit loss to maintain appropriate risk ratings on all loans.
Participates with the Commercial Banker, in meetings with the client or prospect at the customer’s place of business, the bank offices, or by phone. Serves as the expert on ProfitMax.
Assists the Commercial Banker to assure that all client documentation and customer agreements, credit and non-credit alike, are accurate, properly executed, and funds are withheld until all documents are properly executed.
Assists the Commercial Banker by being identified as the in-bank relationship manager, taking care of requests from the customer that cannot be handled by a Commercial Loan Assistant.
May assist the Commercial Banker by conducting loan closings.
Prepares real estate property evaluations consistent with bank policy and regulations.
Conducts business in compliance with Company policies and procedures, federal and state laws and regulations.
When applicable, actively participates in community activities that promotes the bank and/or assist in business development.
May participate in the on-site conversion of acquired banks, including assisting in the conversion of portfolio data, initiating renewal requests, and training bank staff.
Continuously seeks additional knowledge and training to enhance sales, credit, and people skills.
Completes annual E-Learning Plan and Bank Secrecy Act (BSA) training as assigned and keeps up-to-date knowledge of BSA as it relates to the job function.
Secondary Responsibilities
Performs other duties as assigned.
Management Responsibilities
Works with department staff on individual professional development and career development opportunities. Facilitates team members in creating individual goals and development plans that align with the department goals.
Works with HTLF’s Talent Acquisition team to identify and hire the most qualified and talented individuals to fill open positions.
Provides information and on-going feedback to department staff regarding expectations and performance, salary adjustments and/or promotions.
Addresses and resolves all performance concerns and issues in a timely manner.
Prepares and conducts annual performance reviews within established deadlines.
Qualifications
Bachelors Business Administration/Management required
5-7 years related experience as a Credit Analyst, Portfolio Manager or Commercial Loan Officer required
Experience leading a team toward high performance and engagement required
Understanding of credit analysis, risk analysis, and accounting and finance principles required
Thorough knowledge of commercial and agricultural lending, credit and appropriate banking laws and regulations required
Strong credit underwriting skills. Experience in credit structuring and prudently accommodating customer credit needs required
Strong analytical skills and an understanding of general economic theory as it relates to the lending and business environment required
Strong critical thinking, interpersonal, and organizational skills required
Demonstrate accuracy and thoroughness. Looks for ways to improve and promote quality. Apply feedback to improve performance; monitors own work to ensure quality required
Ability to maintain confidentiality of customer and credit information required
Proficient in Microsoft Word, Excel, and Outlook required
Past experience with PROFITMAX, InfoAccess, CME, AS400/Fiserv or other relevant computer programs required
Understanding of bank policies and procedures preferred
RMA – Credit Risk Certification – CRC – Risk Management Association – RMA within 1 Year required
Scheduled Weekly Hours

40

Time Type

Full time