Portfolio Banker

Job Summary

The Portfolio Banker works closely with Relationship Managers and Regional Relationship Manager to evaluate the financial information and needs of prospective and existing borrowers.  The Portfolio Banker is responsible for the gathering and analyzing   commercial real estate financials, credit information, conducting extensive in-depth company and industry analysis, and performing due diligence to evaluate risk/return parameters of financing transactions.  This position requires direct experience in investor real estate underwriting and asset management to prepare credit memos and annual loan reviews.   This individual provides expertise in analyzing, structuring, and underwriting varying levels of complex loan products (including bridge, & construction loans), which includes analyzing property rent rolls, financial statements, cash flows , and valuations. The Portfolio Banker regularly interfaces with Clients, Relationship Managers, Regional Relationship Managers, Credit Administrators and Senior Management, and provides recommendations relating to credit extension decisions and credit risk rating decisions.  Post loan boarding duties include following for financial reporting and financial covenant compliance and monitoring financial trends of borrowers, property valuations, and market conditions.  The Portfolio Banker is usually designated as the secondary point of contact for specific relationships and is to provide exemplary service to ensure customer satisfaction. 

Essential Duties

• Analyze property financial statements and rent rolls, guarantor personal financial  statements, company financial statements, and  other pertinent information for credit worthiness to determine the degree of risk involved in extending credit
• Spread financial statements and Federal income tax returns on CASH Insight  for properties, businesses, borrowers and guarantors
• Monitors the performance of the CRE loan portfolio, evaluating property cash flow, performance covenants, and financial conditions of borrowers and guarantors to assess risk 
• Analyze  liquidity, profitability, and credit histories of borrowers and guarantors.        For businesses, evaluate against those of similar industries and geographic locations
• Prepares and presents credit memos to appropriate senior staff or committees for use in the making of lending decisions on new, renewal and extension loans
• Monitor credit risk by periodically evaluating financial trends, credit bureau reports, pay habits, and other sources of information of the borrower and guarantor(s) 
• Ensure compliance with bank policy, regulatory requirements and credit worthiness by reviewing and updating all pertinent credit loan file information, and adherence to all loan agreements requirements including following for required financial reports and compliance with financial covenants
• Work directly with clients to  support client retention, new business growth, and the bank’s reputation as a trusted partner in the commercial real estate space.

The requirements of this position have not been identified to include actions or activities that meet the definition of mortgage loan originator (MLO) under the Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E Act).    At such time the position requirements change to meet the definition of a mortgage loan originator, an active and current loan originator ID issued through the National Mortgage Licensing System Registry will be required as a mandatory requirement of this position.

Required Knowledge 

• Regulation E (EFT) 
• Bank Secrecy Act
• FDIC Insurance 
• Privacy Laws
• Regulation BB (CRA)
• Regulation B (ECOA) 
• Regulation X (RESPA) 
• Regulation Z (Truth about Lending) 
• Fair Credit Reporting Act 
• UCC
• Deposit Products
• Investment Products
• Loan Products 
• Loan Documentations
• Account Services 
• Trust Services
• Bank Operations

 Complies with all State and Federal Banking regulatory requirements, including but not limited to: BSA, Anti-Money Laundering OFAC, CIP, Financial Elder Abuse Reporting, Sexual Harassment, Information Security and privacy requirements.  This position will elevate suspicious activity to supervisory staff and/or BSA department.  Completes compliance and other technical training workshops as assigned.

Basic Knowledge, Skills and Abilities

• Judgment and Market Knowledge
• Time Management Skills
• Proficiency with  Microsoft Office Products (especially Excel and Word)
• Clear understanding of the English Language (Spoken & Written)
• Advanced Mathematics Skills
• Attention to Detail
• Telephone Skills
• Customer Service Skills
• Critical Thinking & Problem Solving Skills
• Ability to work independently
• Ability to multitask
• Ability to actively listen & learn
• Ability to use oral communication techniques to sell products or services
• Ability to respectfully communicate with Supervisors and Co-workers
• Ability and desire to foster and interact in a team environment, and willingness to contribute to team efforts

Equipment Operated

• Telephones/Cell Phone 
• Desk and/or Laptop Computers 
• Standard office equipment (copiers, fax machines)

Physical Requirements & Work Environment  

• Requires standing and/or sitting for prolong periods of time
• Requires lifting up to 10 lbs.
• Office setting w/controlled temperature
• Up to 10% traveling

 Education and Experience

• Bachelor's degree is required with  Business, Accounting, Finance or related discipline  preferred 
• A minimum of 5-10 years of experience in field or related area with a strong emphasis on commercial real estate underwriting and asset management, customer service, and credit portfolio management

 Additional Requirements

• Ability to travel to various bank locations as needed
• Some Saturday hours are required 

As a part of the Bank’s internal control systems, employees holding sensitive positions are required to be absent from their duties for a minimum of two consecutive weeks each year. This position has been deemed to meet the test for a sensitive position, and therefore you will be required to meet the minimum absence requirement each and every year.  

This job description is not intended to be all-inclusive, and employees will also perform other duties as assigned by management as required.