C&I Portfolio Management Officer

2 weeks ago


Morrisville, Pennsylvania, United States Penn Community Bank Full time

Position Overview:
The Commercial & Industrial Client Manager is responsible for overseeing a portfolio of commercial clients, focusing on the solicitation, assessment, and approval of loan applications.

Key Responsibilities:

  • Independently generate sales leads and collaborate with Business Development officers and Branch Managers to establish new C&I business connections and enhance product sales.
  • Administer a portfolio of existing clients, ensuring loan quality through diligent monitoring and management of all loan administration tasks, including financial information collection, risk rating updates, and timely renewals of credit lines.
  • Supervise the accuracy and efficiency of loan administration processes, ensuring completeness of applications and prompt processing, funding, and closing of approved loans.
  • Conduct interviews with applicants to gather necessary information for loan applications.
  • Request and analyze credit reports, background checks, and references to evaluate loan applicants thoroughly.
  • Assess the financial status and creditworthiness of applicants to determine the viability of loan approvals.
  • Compile comprehensive loan packages and negotiate loan structures with applicants, addressing fees, repayment options, and credit terms.
  • Present loan proposals to the appropriate approving authority or Loan Committee for consideration.
  • Engage with C&I customers, prospects, and referral sources to promote and sell banking products and services.
  • Address customer inquiries regarding small business loans and provide necessary information.
  • Supply loan data to support marketing initiatives and sales promotion efforts as needed.
  • Encourage cross-selling of additional Bank products and services that align with customer needs, such as Business Checking and Cash Management.

Qualifications:

Education and Experience:

  • Bachelor's degree from an accredited institution.
  • A minimum of 5 years of experience in commercial lending.
  • Formal training in credit analysis is preferred.

Skills and Competencies:

  • In-depth knowledge of C&I commercial lending practices, including a solid grasp of underwriting and credit assessment.
  • Strong verbal and written communication abilities.
  • Proficient understanding of loan documentation requirements.
  • Excellent organizational and time management skills, with the capacity to prioritize effectively.
  • Thorough familiarity with the products and services offered by the Bank.
  • Proficient in Microsoft Excel, Word, and PowerPoint.
  • Ability to maintain composure and efficiency under pressure to meet deadlines.


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