Portfolio Manager Tech and Life Sciences
- Retain and manage existing loan portfolio taking ownership of all reviews and renewals for existing credit customers. Portfolio includes complex accounts.
- Formulates an opinion of whether such relationships continue to be an acceptable risk.
- Decides loan terms and conditions if within own credit limits or makes recommendations to appropriate authority.
- Develops and maintains direct relationships with customers including a calling/contact effort with target of minimum in person contact of 2x per year.
- Provide oversight and guidance to credit support in underwriting for renewals and reviews. Work with counsel to negotiate loan documentation.
- Assist Corporate Finance on CMA led syndications.
- Provide qualitative input for RECAP creation.
- Works in conjunction with manager to prepare for and present at loan committees and credit quality reviews as applicable.
- Coordinate with Loan Closers to facilitate closing of renewals or amendments.
- Adheres to Risk Management policies and guidelines, i.e. regulatory compliance, portfolio and credit quality, and portfolio management.
- Assists with monitoring existing loans to ensure compliance with terms of loan agreement and recommends corrective action on variances.
- Identify & resolve operational and credit issues with loans held in portfolio.
- Manage all non-loan credit and product risk products for existing clients, incl. treasury (ACH, Business deposit capture, etc.,) approvals and documentation.
- Management of ad hoc and regulatory reporting within existing portfolio (both internal and external requests).
- Monitor, track, and assist in the collection of past due loan payments, exceptions, overdrafts, and maturing loans.
- Provide day-to-day servicing of portfolio including credit risk monitoring.
- Conducts interviews to develop information concerning the nature of the customer's business, financing or other needs.
- As appropriate, may provide informal team leadership responsibilities in support of the GM.
- Identify and close appropriate incremental financial solutions with the goal of retention and expansion (cross sales).
- Retain existing portfolio and associated profitability.
- Promotes public bank image by being involved in meaningful community and business development activities, as appropriate.
- Bachelor's degree from an accredited university
- Completion of a formal credit training program
- 5 years of commercial underwriting, credit and/or lending experience or 7 years of experience in Lending or Credit
- Bachelor's degree from an accredited university
- Completion of a formal credit training program
- 5 years of commercial underwriting, credit and/or lending experience or 7 years of experience in Lending or Credit
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