Business Loan Portfolio Manager

3 weeks ago

Beaver, Pennsylvania, United States WEST-AIRCOMM FEDERAL CREDIT UNION Full time
Job Title: Business Loan Portfolio Manager

Job Summary:

The Business Loan Portfolio Manager is responsible for overseeing the efficient and profitable operation of the business loan portfolio. This includes managing the business loan pipeline process, managing the ongoing administration of the business loan portfolio, managing member resolution efforts, and supporting consumer loan underwriting for business owners.

Key Responsibilities:
  • Business Loan Pipeline Process:
    • Develop and manage a formal workflow process for all business loan requests to ensure timely and accurate underwriting, approval, closing, funding, and ongoing credit risk monitoring of the business loan portfolio.
    • Serve as the primary liaison between the credit union and its business loan CUSO.
    • Submit prepared credit memos and annual reviews to the VP of Lending for approval or for recommendation to the Loan Committee or Board of Directors for final decisioning.
    • Assist Relationship Managers with the business loan closing process, as needed.
    • Work with Relationship Managers to resolve any post-closing exceptions.
    • Monitor loan portfolio to ensure that deposit accounts required by loan approvals have been established and maintained.
  • Ongoing Administration of Business Loan Portfolio:
    • Monitor and track for timely completion of all required annual loan reviews, including collection and submission of all required documentation from borrower.
    • Assure that all risk ratings are accurate and current.
    • Obtain annual review memos from the business loan CUSO when required or prepare analysis of annual review results and submit to business loan officer or business loan committee.
    • Monitor business loans for compliance with all required loan covenants, including submission of annual financial information. Contact business loan members to obtain required information. Promptly report any issues or identified problems to management. Obtain waiver approval when appropriate from proper approval authorities.
    • Assist in the processing of loan advances on business loans and lines of credit.
    • Conduct or order annual property reviews/inspections, as required by policy.
    • Process and monitor all requested loan modifications within proper approval authorities and in accordance with policy requirements.
    • Prepare monthly and quarterly portfolio reports for management and the Board of Directors.
  • Member Resolution Efforts:
    • Assist in the collection of delinquent business loan accounts.
    • Closely communicate and escalate as needed all critical issue items and establishing an acceptable action plan to address identified concerns.
    • Review delinquency reports and assist with payment collection.
    • Work with credit union counsel to coordinate legal action, if needed.
    • Regularly report on resolution efforts to loan participants, management, and Board of Directors.
  • Consumer Loan Underwriting:
    • Work with Loan Officers and Members to obtain all necessary information to assess the credit risk of the business owner.
    • Prepare cash flow analysis for consumer loan requests to business owners for review and approval by Loan Officer, Loan Committee, or Board of Directors, as required by policy.
Requirements:
  • Bachelor's degree or equivalent experience required.
  • Comprehensive knowledge of commercial lending, including documentation and follow-up.
  • 3-4 years experience in commercial lending.
  • Ability to read and understand financial statements as well as tax returns.
  • Strong oral and written communication skills.
  • Strong analytical skills related to commercial lending/underwriting.
  • Proficient in Microsoft Word and Excel.
Benefits:

$65,000 to $83,000 per year, plus incentives, bonus, 401K safe harbor contribution of 3% of annual salary + profit sharing.

West-Aircomm operates by the credit union motto of People Helping People. As a member-owned and operated financial cooperative, we focus on finding ways to help all our members, offering a wide range of products and services designed to meet their financial needs.

At West-Aircomm, we're a part of the community you live, shop, work, and learn in. As part of the community, we're dedicated to providing the financial products and services that you need to thrive, so our community thrives.

We don't just say it, we do it. As a full-service, not for profit credit union, we are proud to serve the community with financial products and services at lower fees and consumer-friendly assistance.

West-Aircomm Cares (WAC Cares), our employee volunteer fundraising group, has identified and focused fundraising efforts on a single charity each year, and every year our staff volunteers an extraordinary number of hours to other charitable organizations that benefit everyone in our communities.

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