Business Banking Portfolio Manager - Diversified Financial Services Organization (Appleton, WI) in Appleton, Wisconsin For Sale

This position is responsible for ensuring that all reviews and renewals of Business Banking loan products are reviewed and re-documented (if necessary) prior to becoming an administrative past due issue. Also has responsibility for interim monitoring of covenants, borrowing base certificates and other conditions of credit. This position is jointly responsible with the Relationship Managers for effectively interacting with clients to enhance their relationship with the Bank. ACCOUNTABILITIES A. Credit Assessment Collaborate with relationship managers to generate ideas, identify client solutions, pursue marketing efforts, cover clients, and deliver timely solutions. Actively manage client solution opportunities within portfolios. Operate as key member of the deal team and coordinate preparation of lending proposals and pitches to prospective clients with efforts to maximize penetration and returns. Provide deal structuring expertise. Provide accurate financial analysis and oversight of new and existing bank customers Proven background in the review and analysis of complex financial statements and tax returns submitted by applicants and is capable of evaluating their ability to repay, and consultation of structure, collateral and ownership. Prepare/oversee preparation of concise, well-reasoned credit correspondence Analyzes the financial condition of existing bank customers. Proven background in the review of highly complex financial statements and tax returns submitted by applicants and is capable of evaluating their ability to repay. Must also have a solid understanding of the various borrower types typical in the high-net worth market and their relation to collateral ownership, loan repayment, loan structure, etc Interprets and evaluates consumer credit bureau reports, Dun & Bradstreet business reports and public records. Responsible for identifying trends in client activities which may be predictive of deteriorating credit quality Seeks alternative means of financing or counter offers for all borrowers when it is determined that the original request cannot be accommodated B. Client Performance Management Oversee documentation and ongoing monitoring of asset and client performance. Actively manage portfolio to maximize return and credit quality. Obtain credit approval as client advocate. Responsible for monitoring quarterly touches, trigger compliance and covenants of clients within assigned portfolio to identify deteriorating credit conditions and compliance with loan agreement. Monitor high risk loans via established procedures, with transfers Special Assets Monitoring Unit or Small Business Collections as appropriate. Ensure that renewals are completed on a timely basis to avoid any administrative past dues and maintain compliance with Key Risk Indicators Ensure that annual reviews are completed on a timely basis to maintain compliance with Key Risk Indicators Ensure that annual loan renewals, reviews and monitoring are completed in a timely fashion to avoid any administrative past dues. C. Sales Support and Partnerships Responsible for providing an excellent client experience in all interactions with clients and prospects Maintain key ongoing contact with lending clients in conjunction with relationship managers. Work with specialists as needed to support cross-sell opportunities. Maintain and promote a customer service environment, to include satisfying and exceeding customer needs and expectations. May participate in on site customer visits with Relationship Manager Increase share of wallet with customer by identifying cross-sell opportunities or enhance existing services by recommending, credit, deposit, cash management, etc. Negotiate transactions with clients (as a back-up to the Relationship Manager) Maintain awareness of all firm products and services offered and facilitate means of receiving continuous updates Intercede with Internal Audit and Loan Review during exams and reviews regarding questions arising from a file reviewQualifications Knowledge: Bachelor s degree. Preferably in a business related field. Demonstrated knowledgeable of cash flow, credit and evaluating collateral. Requires a minimum of 5-7 years of previous Commercial Loan and underwriting experience in a financial services environment. Demonstrated ability to successfully structure credit requests that minimize risk while providing client value. Thorough knowledge of software being utilized to capture credit applications, proprietary scoring model, Word and Excel. Skills: Excellent oral and written communication skills. Ability to make sound transactional decisions to ensure policies and directives are met. Ability to make timely decisions in a fast paced, production environment. Ability to communicate effectively by adding value to Relationship Managers and Customers. Ability to work independently and take ownership of personal performance and development. Demonstrates aptitude to interpret and evaluate consumer credit bureau reports, Dun & Bradstreet business reports and public records.
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