Commercial Portfolio Manager

Description

We have been voted one of the best companies to work for 4 years in a row, because we have developed a fun and inclusive culture that is at the forefront of how we operate. We only hire the best and most passionate talent and are proud to promote employees from within.

One Florida Bank was founded on the belief that when we work together, our goals are One. As a Florida-based bank, we are firmly rooted in our local communities, because building relationships one-on-one is the way business gets done. We are committed to knowing you personally, understanding your needs and goals, and providing the products and services that will support you along the way.

The Commercial Portfolio Manager is responsible for assisting an assigned Commercial Relationship Manager in managing a portfolio of existing and prospective client relationships to ensure adherence to credit policy and follow up on all facets of the sales process for the life of the client relationship.

ESSENTIAL DUTIES

• Manage an assigned credit portfolio of approximately $100MM or greater.
• Assist Lending Officers with processing and servicing commercial loan relationships, including performing timely financial analysis / underwriting for loan renewals, annual reviews, and modifications (extensions, waivers, amendments, etc.), and new loan requests within the framework of OFB’s loan credit policies and desired risk profile.
• Assist CRM’s with ordering appraisals, flood determinations, credit reports, title searches/policies, environmental site assessments and data searches, including reviewing these items for accuracy and any potential issues or concerns 

Requirements

ROLES AND RESPONSIBILITIES

• Supports Commercial Relationship Manager (CRM’s) with the ongoing maintenance of portfolio reviews to proactively assure credit quality.
• Responsible for tracking tickler items and client follow-up on outstanding documents.
• Renewal tracking and opportunity memo update along with feedback from CRM.
• Tracking ongoing loan agreement requirements such as Demand Deposit Account, requirements.
• Prepare post approval change forms and circulation of documents for extensions, loan agreement changes, etc.
• Assist CRM’s with monitoring and collecting past due loans, preparing customer correspondence and graded credit memo updates.
• Perform preliminary financial analysis, address industry risks, collateral requirements, loan structuring and pricing,
• Conduct portfolio reviews to proactively assure credit quality 
• Serves as sales partner with the CRM to assist with sales calls and maintaining customer relationships.
• Once deals are approved, help navigate the final diligence with the closing process in conjunction with closers and bank counsel 
• Handle renewals in concert with the RM including shepherding deals though UW, diligence and closing  
• Assisting with gathering of financials, rent rolls, personal real estate holdings, debt schedules, etc.
• Working the closing checklist provided by our Commercial Leave Administrators.
• Assisting Commercial Relationship Manager in the preparation and presentation of deal team packages, real estate worksheets, spreads, etc. in committee meetings. 
• Other related duties as assigned.

SUPERVISORY RESPONSIBILITIES

• None.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education/Experience

• Bachelor's degree in finance, accounting, or related field from four-year college or university
• 5-7 years’ experience as a relationship manager, credit analyst or similar occupation.
• Strong analytical skills with the ability to analyze complex financial data and identify trends. 
• Solid understanding of commercial banking credit policy, loan administration and underwriting requirements. 

One Florida Bank supports a diverse workforce and is proud to have an engaged and inclusive culture that promotes equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status. One Florida Bank conducts pre-employment background screening, credit checks and drug testing.

Should you have a disability and need assistance with the application process, please request a reasonable accommodation by contacting the HR Department. 

What about the benefits?

We recognize all Federal holidays every year and we offer highly competitive benefits such as:

• 100% employer paid Medical, Vision, Dental, STD, LTD and group life insurance for the employee only cost on most plans
• 401(k) Safe Harbor Match 
• Paid vacation and sick time plus 1 floating holiday
• Paid volunteer hours
• Wellness Program
• Shared leave program
• Paid Paternity Leave
• Tuition Assistance Program
• Pet Insurance
• Team Building activities