Portfolio Manager and Commercial Underwriting

5 days ago

Miami, United States Helm Bank Full time
Job DescriptionJob Description

SUMMARY

The responsibilities of the Portfolio Manager and Commercial Underwriting Officer include analyzing credit data and financial information of persons or companies that are applying for credit or loans to determine the risk that the bank may encounter. The Portfolio Manager and Commercial Underwriting Officer will prepare reports based upon their findings to help make decisions on lending and credit-worthiness. This position is responsible for providing support, direction, credit information, and loan policies and procedures to ensure overall quality of the Bank’s lending portfolio

ESSENTIAL FUNCTIONS

Responsibilities include the following. Other duties may be assigned.

Core Duties

  1. Conducts special research to analyze complex lending transactions and provides interpretation on new and existing credit facilities.
  2. Analyzes financial information to determine present and future financial performance.
  3. Reviews loan applications, which includes obtaining and analyzing all necessary financial data and assessing the customers risk profile.
  4. Prepares credit analysis including the spreads of financial statements in order to prepare loan approval memoranda which includes, repayment analysis, collateral analysis, risk rating determination and loan exception identification.
  5. Identifies problem loans, makes recommendation for assignment of loans to the “watch loan list”, upgrades and downgrades in the existing portfolio.
  6. Reviews the analysis prepared by other members of the Department for Quality Control and assurance of compliance with the bank’s credit policy and procedures
  7. Manage portfolios as assigned by the Chief Credit Officer to monitor maturities, delinquencies, renewals, conversion from lines of credit to perm loans, monitor disbursements (i.e CD Loans, Construction Loans, Commercial Loans, Letters of Credit).
  8. Discusses the status of maturing loans and problem loans with the Chief Credit Officer and senior lending officers and may make recommendations regarding the future credit information needs.
  9. Coordinates with the Credit Administration Officer for the Loan portfolio to be properly reviewed based on the Bank’s Policies and Procedures
  10. Ensures that the Portfolio is appropriately Risk Rated
  11. Identifies problem loans, makes recommendation for assignment of loans to the “watch loan list”, upgrades and downgrades in the existing portfolio.
  12. Interacts with relationship managers, brokers and customers in developing credit requests to be presented to loan committee and/or final approval.
  13. Prepares monthly, quarterly and annual reports for the Board of Directors.
  14. Assists in the Portfolio Purchases (Strategic and CRA) process with the monitoring of pending information, external reports for potential sellers, execution of contracts and final closing of the transaction.
  15. Establishes databases of pertinent information to be used in analyzing future plans and forecasts and the evaluation of the bank’s loan portfolios including the Portfolio Stress Testing and Concentration monitoring.
  16. Examine files systematically for adequacy of credit and collateral documentation, regulatory compliance, and loan policy conformance
  17. Assist external auditors and ensure deficiencies identified from such audits and are corrected.
  18. Assist the CCO with projects as assigned

Regulatory

  1. Prepares KYC/CDD Profile Forms and obtains all required documentation in accordance with the BSA Program.

EDUCATION & TRAINING

KNOWLEDGE & EXPERIENCE

COMPETENCIES

To perform the job successfully, an individual should demonstrate the following:

  • Bachelor’s degree (B.A.) in Business, Economics, Accounting or Finance.
  • 5+ years of previous experience.
  • Must be bilingual in both English and Spanish. Ability to fluently speak, understand, read and write both languages
  • Advanced Computer Skills,

  • Advanced Skills with Microsoft Office, Encompass, Abrigo, Compliance One or related platforms

  • Mathematical Skills

  • Customer/Client Focus.
  • Credibility.
  • Problem Solving/Analysis
  • Teamwork Orientation.
  • Initiative.
  • Stress Management
  • Organizational Skills.
  • Technical Capacity
  • Effective communicator
  • Adaptability

SUPERVISOR RESPONSIBILITIES

This position has supervisory responsibilities; and entails the review and coordination of the work assigned to direct reports. Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities include interviewing, hiring, and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; firing; addressing complaints and resolving problems.

WORK ENVIRONMENT

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.

PHYSICAL DEMANDS

The following physical activities described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions and expectations.

While performing the duties of this job, the employee is regularly required to sit and talk or hear. The employee frequently is required to stand; walk; use hands to finger, handle, or feel; and reach with hands and arms. The employee is occasionally required to climb or balance; stoop; kneel, crouch, and taste or smell. The employee must regularly lift and/or move up to 20 pounds. Specific vision abilities required by this job include close vision, distance vision, depth perception, peripheral vision, and ability to adjust and focus

TRAVEL

This position may require some local travel.

DISCLAIMER

Equal Opportunity Employer: Helm Bank USA supports a diverse workforce and is a Drug Testing and Equal Opportunity Employer. Helm Bank USA does not discriminate against individuals on the basis of race, creed, color, gender, religion, national origin.

While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned.

I understand and acknowledge that, in addition to the duties outlined in this job description, I am also responsible for making sure that my duties are performed in full compliance with all of the Bank’s rules, and with all of the state and federal regulations to which the bank is subject. I understand that knowledge of, and adherence to the Bank’s Bank Secrecy Act/Anti-Money-Laundering/OFAC Program is an important part of my job performance and will be considered a factor for job evaluations as well as promotions, and that ongoing BSA/AML/OFAC training will be continuously required during my employment. I agree to address any and all questions I may have about the bank’s BSA/AML/OFAC Program to the Bank’s BSA Department.



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