Business Banking Credit Portfolio Manager I

Requirements

• Maintain assigned loan portfolio, minimizing risk by maintaining delinquencies and identifying weak loans according to Bank policy.
• Maintain a log of maturing loans and coordinates renewal process to ensure that necessary information is received prior to maturity.
• Provide secondary point of contact to proactively request and obtain financial information needed from the Borrower for Renewals, Modifications and Payoffs as needed.
• Order and interpret business credit reports, personal credit reports on business principals and SBSS scores.
• Input historical financial information into spreads to show financial trends, evaluate repayment and mitigate risk.
• Provide underwriting and prepare Credit Memo for Renewals and Modifications within assigned portfolio for recommendation to another Approving Officer based upon total credit exposure.
• Ensure the loan requests are processed timely. Coordinates with Title and Escrow companies for secured loan products as needed.
• Downgrade the Risk Grade of relationships with identified adverse financial conditions and complete Transfer to Special Assets when necessary.
• Review of credit risk rating and borrower/guarantor analysis.
• Learn to assess changes, clearly identify offsetting mitigates and summarize recommendations.
• Understands the Bank's products and services and support Tri Counties' Service with Solutions culture.
• Maintains a current understanding of Bank policies and procedures in compliance with all federal and state laws, including but not limited to Bank Secrecy Act (SARs, CIP, OFAC), Information Security (GLBA), Identity Theft Red Flags, Financial Elder Abuse Reporting, and any other applicable regulations that may be specific to your job duties.

Benefits

• Comprehensive benefits
• Incentive opportunities
• Competitive total compensation package