Client Relationship Portfolio Manager

2 weeks ago

Mokena, Illinois, United States Midland States Bank Full time

Salary Range: $51,000-$63,000

At Midland States Bank, the base salary is one aspect of our Total Rewards program. The precise compensation is influenced by various factors including education, skills, internal equity, and experience. This position also offers additional compensation through short-term incentives (such as bonuses and/or commissions) and may include long-term incentives (like stock awards). Benefits for this role encompass comprehensive healthcare, well-being benefits, paid family leave, and generous paid time off. Total Rewards further include banking perks, an Employee Stock Purchase Plan, a 401K plan with company match, and may offer the opportunity to participate in our Non-Qualified Deferred Compensation plan. Incentives and benefits are subject to eligibility requirements.

Position Overview

The Commercial Portfolio Manager is tasked with supporting Commercial Relationship Managers and Market Presidents in managing client relationships at Midland States Bank. This includes nurturing the existing Commercial Loan Portfolio for market growth, evaluating creditworthiness to make informed credit decisions, identifying potential credit risks, and preparing loan proposals for presentation to the loan committee. Responsibilities primarily involve initiating and renewing commercial loans along with necessary reporting and maintenance. This role demands advanced knowledge of commercial loan policies, procedures, documentation, and processing. A key focus is on fostering customer relationships and enhancing existing client connections through exceptional customer service and cross-selling initiatives. The Commercial Portfolio Manager is expected to embody Midland States Bank's vision and values, representing them both internally and within the community.

Key Responsibilities

  • Oversee a portfolio of commercial clients and loans (typically up to approximately $10 million).
  • Conduct regular business development outreach (independently or alongside the Commercial Relationship Manager) to attract new business or enhance services for current clients.
  • Generate new business through cross-selling initiatives with the existing commercial client base.
  • Manage the credit evaluation process, identifying risks and mitigants for new and renewed loans.
  • Provide customer service to current commercial clients, including research or referrals to other departments of the bank as necessary, along with follow-up.
  • Assist the assigned Relationship Manager with clients, acting as part of a team and serving as a proxy when required. Also, serve as backup for the assigned Client Service Associate.
  • Request appraisals, environmental assessments, or other complex documents necessary for loan closing.
  • Possess the ability to analyze straightforward credit situations.
  • Attend and present loan requests at committee meetings, reviewing Credit Approval Forms for accuracy, compliance, and covenant items.
  • Thoroughly review and understand formation documents for various entities, including corporations, partnerships, limited liability companies, and trusts.
  • Manage the routine upkeep and administration of the portfolio, including the tickler system, financial reporting, and loan reviews.
  • If handled by the field on a specific deal, manage construction draws.
  • Effectively communicate information and respond to inquiries from groups of managers, clients, and customers.
  • Negotiate with clients on behalf of the bank.
  • Exercise independent judgment to plan and achieve objectives.
  • Represent the bank in interactions with business associations, customers, and regulatory bodies. Participate in civic and business-related events to promote the bank's image.
  • Serve as a regional resource for training and support.
  • This role may require occasional travel for training and team meetings, as well as a willingness to travel periodically within the market as needed.
  • May necessitate working in a Midland office to ensure collaboration and support for internal and external customers.
  • Maintain compliance with all relevant regulations, including but not limited to the Bank Secrecy Act (BSA).
  • Perform other duties as assigned.

Qualifications

Education/Experience:

  • Bachelor's degree in Finance, Business, or Accounting.
  • 1-3 years of relevant experience.
  • Successful completion of bank training specific to the position.
  • Proficiency in computer applications.
  • Knowledge of commercial loan requirements and regulations.
  • Understanding of all company loan systems for commercial lending.
  • Strong interpersonal and communication skills.
  • Demonstrated success in meeting or exceeding prior goals in previous roles.

Competencies:

  • Business acumen
  • Encourages innovation
  • Drives results
  • Makes informed decisions
  • Acts as a brand ambassador
  • Collaborates effectively
  • Communicates clearly
  • Focuses on customer needs
  • Demonstrates authenticity
  • Exhibits emotional intelligence
  • Commits to self-development
  • Adapts to change

At Midland States Bank, we believe that bringing our whole selves to work each day fosters happiness, comfort, confidence, and excitement to deliver exceptional service to our customers, colleagues, and company. We are proud to be an Equal Opportunity and Affirmative Action employer. At Midland, we recruit, employ, train, compensate, and promote without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status. If you are seeking a place to grow, we encourage you to consider a career with Midland States Bank.

This job description does not constitute a contract for employment.

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