Client Portfolio Management Jobs Near Me

Works closely with assigned Relationship Managers to manage a large and or complex portfolio of Corporate Banking clients. Oversees, along with Relationship Manager(s), receipt and ongoing review of client financial statements and reporting packages. Ensures credit quality standards are executed. Communicates with relationship team and credit department regarding details of portfolio performance and credit metrics. Participates in sales calls and is active in various community events, civic and charitable organizations.
Essential Job Responsibilities
1. Conducts independent financial statement, covenant and collateral analysis of Corporate Banking clients. Assists in discussions and due diligence on existing and prospective clients. Oversees portfolio analysis and assists in deal structuring and legal document review and negotiation.
2. In collaboration with Relationship Manager(s), manages and grows a portfolio of companies. Portfolio size may vary based on length of service and management decisions.
3. Assists with the cultivation of new business opportunities from existing and potential corporate clients and assists Relationship Manager(s) help meet client needs and deepen relationships. Support cross-sell opportunities as identified through client interaction.
4. Provides portfolio information on a timely basis to be included as part of credit analysis and performance reports. Maintains a continuous improvement mindset with respect to credit performance reports, cross sell effectiveness, and opportunities to improve processes.
5. Monitors client financial performance versus plan objectives and financial covenant compliance on a regular basis; discusses the performance with the relationship team. Reports credit deterioration promptly and works with Special Assets to mitigate potential losses.
6. Actively monitors and manages maturing notes, expiring commitments and delinquencies within assigned portfolio.
7. Performs maintenance calls with or without Relationship Manager as needed, and assists in credit collection work as necessary for assigned accounts.
8. Services the immediate needs of the clients by performing the following with Relationship Manager(s):
a. Analyzes, with credit analysis staff, the creditworthiness of their clients and prospects.
b. Seeks additional approvals or policy exceptions as necessary.
c. Oversees proper execution and review of loan documentation in accordance with bank policy.
d. Understands the credit strengths and weaknesses of clients.
e. Monitors borrower's performance and communicates to management and the credit department.
f. Works with Treasury Management to establish necessary accounts and ancillary services for deposits.
g. Other ongoing client and portfolio tasks as needed to assist the team.
9. Works with the Credit Department to ensure that the approval packages are thorough and correct including review of the financial statement requirements, covenant structure, and terms and conditions.
10. Prepares and assists in the presentation of loan modification requests, Criticized Asset Committee Memos, Semi-Annual Line Sheets and any other required reports, on an as-needed basis and in conjunction with Relationship Manager.
11. Values collateral when necessary, reviews appraisals and assesses collateral coverage.
12. Ability to assess and discuss risk ratings with the Credit Department.
13. Follows assigned accounts, in conjunction with relationship team, to ensure financial statements are received timely and evaluated regularly to assess borrower risk.
14. Coordinates the daily workflow in and out of the area to ensure that loans are in complete conformity with the terms.
15. Assists in providing direct service to commercial clients of the bank with respect to deposit, loan, and other products and services. Develops expertise in all applicable processes and systems to ensure they are all leveraged. Strives to improve cycle times and client experience.
16. Assists with deal screens and preliminary review of large existing and prospective clients as needed.
17. Prepares and maintains accurate records of all client service calls made and meetings held with present and prospective clients.
18. Serves as a representative for Portfolio Management and/or Corporate Banking in various Bank initiatives and projects on an as-needed and elected basis.
19. Maintains a thorough knowledge of the features and benefits of all corporate banking products and services.
20. Maintains a working knowledge of bank operating policies and procedures.
21. May serve as a mentor and/or provide training to newer and less experienced Portfolio Managers within the Group.
Bona Fide Occupational Qualifications
1. A Bachelor's degree in Business or Finance related field, and/or equivalent experience required.
2. A minimum of ten (10) years (with consideration to seven (7)) of strong credit analysis experience and demonstrated portfolio management skills required.
3. Exceptional communication skills with ability to influence others, as well as strong computer and analytical skills are necessary.
4. A valid driver's license and travel, including some overnight stays, are required.
5. May be eligible for Telecommuting.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
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