Senior Loan Portfolio Manager

4 days ago


Rowland Heights, California, United States CTBC Bank Full time

Job Summary

We are seeking a highly skilled Portfolio Manager to join our team at CTBC Bank. The successful candidate will be responsible for monitoring and maintaining the standard loan portfolio processes, procedures, and practices in the assigned team.

Key Responsibilities

  • Monitor and maintain the overall loan portfolio processes, procedures, and practices to support the Team Leader.
  • Work with the Team Leader on specific projects, including portfolio reviews, updating of credit processes within the portfolio, risk rating policy, etc.
  • Review, analyze, and consolidate market, industry, and risk analyses and data to develop C&I loan portfolios in the expertise industry and segment.
  • Assess and review C&I loan portfolios, measurement indexes, and provide inputs in the expertise industry and segment.
  • Interface with origination and product specialists to review credit strategy and develop proactive plans for all assigned portfolios.
  • Analyze and evaluate the risks in the segment, conduct the risk selection, oversee the risk of individual loans, control the quality of loan approvals, and administer the performance of loan continues.
  • Assess and minimize risks on more complex C&I loans by following operational standard procedures, identifying suspicious/inconsistent activities, notifying appropriate parties, and taking appropriate actions.
  • Review loan packages and analyze credit information, making the detailed assessment of an applicant's creditworthiness.
  • Measure credit risks, portfolio stress tests, and analyze collaterals as applicable to loan structure and terms.
  • Analyze financial conditions and operating results of applicants to ensure adequate line limits and usage.
  • Analyze the performance of C&I loan portfolios, operation of loan productions, and maintain good asset quality in the assigned team.
  • Drive loan terminations, securing internal/external parties' understanding, compliance, and completion.
  • Lead remedial credit management and analyses of structured transactions.
  • Participate in C&I associations and networking events to market loan products and solutions the Bank offers.
  • Identify watch list and/or problem credits and take appropriate action, including seeking assistance in deteriorating credit situations from the Team Leader or senior management.
  • Prepare regular reports and make appropriate recommendations.
  • Assist the Team Leader to coach junior Loan Portfolio Officers' skills of identifying problems and issues, managing risks.
  • Perform related duties, as required, for training and development purposes.
  • Perform all assigned duties under the Bank's compliance programs and related laws & regulations.

Requirements

  • Bachelor's degree in Finance, Economics, or Business-related field is preferred.
  • 8+ years of experience in dealing with C&I loans is preferred.
  • Ability to analyze, underwrite, and administer C&I loan portfolios.
  • Strong credit and financial analyzing, underwriting, sales, customer service, and communication skills.
  • Working knowledge of commercial and industrial lending guidelines and productions, all applicable State and Federal regulations.
  • Ability to analyze and consolidate data to develop C&I loan portfolio processes, procedures, and to implement practices.
  • Ability to independently negotiate large amounts of loan contracts and minimize asset quality.
  • Ability to apply computer software programs in evaluating financial information and maintaining loan information.
  • Formal credit training and CFA or related certification is preferred.

Work Environment

Standard office environment. Noise level in work environment is usually average. Hear in the normal audio range with or without correction. Specific vision abilities required by this job include close vision and the ability to adjust focus.

Compensation

The base pay range for this position is USD $65,000.00/Yr. - USD $130,000.00/Yr plus full benefits. Exact offer will be determined based on job-related knowledge, skills, experience, and location.



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