Portfolio Manager

You will find a lot more at Riverview Bank! Finding a place to grow, contribute and make a difference is what you will find working with us – it’s about you! We are looking for team members with vision, leadership, and that special can-do spirit. Riverview Bank strongly believes in investing in our team members, and in the communities we serve.

SUMMARY

This position is responsible primarily for analysis, monitoring and preparation of credit memorandums, criticized/classified loan memos and annual loan reviews for loan officers. Position is a support function to assist loan officers move loan requests through the approval process.

ESSENTIAL DUTIES

Works with existing clients and prospects as required to receive information as needed.
Ensures that the financial analysis prepared by the Analyst Team is accurate.
Analyzes financial spreads to determine if the loan requests meet Bank credit policy.
Prepares credit memorandums, criticized/classified loan memos, and annual loan reviews in Credit Quest software program for lenders.
Works with the Team Assistant to collect all necessary documents needed by the loan documentation team.
Requests preliminary title reports, environmental reports and appraisals as directed by the loan officer.
Analyzes borrowing base reports prepared by client and notifies loan officer of any discrepancies.
Ensures timely and thorough monitoring of all credits through use of management reports such as Out of Compliance Report; Annual Loan Review Report; Delinquency Report and Maturing Loan Report.
Understands and observes laws and regulations that relate to commercial lending.
Additional duties and responsibilities .

Other duties as may be assigned:

Projects professionalism in both appearance and attitude when dealing with customers.
Coordinates, when necessary, with other departments.
Participates in and completes all required training modules with passing scores.
Follows all state and federal laws, and all Riverview policies and procedures.
RELATIONSHIPS

Maintain strong working relationship with Commercial Loan Team Leader and peers in the lending area as well as other support areas.
Maintains contact with clients to ensure that service levels are appropriate.
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 and/or EXPERIENCE

Bachelor's degree in a business, finance or related field is preferred, 2 or more years of commercial lending support experience, strong analytical skills, excellent communication skills, and knowledge of bank services, or equivalent combination of education and experience.

SKILLS

Ability to communicate with lenders and build strong working relationships.
Ability to read, analyze and interpret business and personal financial statements and tax returns.
Ability to understand bank lending policy and governmental regulations.
Ability to prepare concise credit memorandums, annual loan reviews and criticized/classified loan memos that define the risk and financial condition of the borrower or prospect.
Accurately analyze asset-based lending borrowing bases.
Ability to effectively identify concerns or changes in financial position of borrowers and communicate to lending officer.
Ability to work with mathematical and financial concepts such as global cash flow and other financial ratios that indicate the strength of a business or individual who borrows for business purposes.
Ability to resolve with some assistance day-to-day problems and deal with a variety of issues that may arise in working with borrowers.
Ability, with some assistance, to develop loan structure that protects the bank.
Ability to define problems, collect data, establish facts, and draw valid conclusions.
Basic skills associated with the general use of computers and business office equipment including developing a good working knowledge of the Credit Quest lending system.

PHYSICAL DEMANDS

While performing the duties of this job, the employee is regularly required to sit and talk or hear. The employee frequently is required to use hands to finger, handle, or feel and reach with hands and arms in accessing and working with files. The employee is occasionally required to stand, walk, and stoop, kneel, crouch, or crawl. The employee may be asked to move files, boxes, or small pieces of furniture and must frequently lift and/or move up to 25 pounds and occasionally lift and/or move up to 100 pounds. Specific vision abilities required by this job include close vision in working with written forms and computers.

WORK ENVIRONMENT

While performing the duties of this job, the employee is occasionally exposed to risk of electrical shock in working with standard office equipment indoors. The noise level in the work environment is usually moderate.

COMMENTS

In supporting the accomplishment of company and departmental goals, it is the employee's responsibility to do all that is necessary to provide quality service to customers and fellow employees while furthering the positive image and interests of Riverview Bank. It is also the employee's responsibility to continually strive to maximize personal growth.

The salary for this role will be between $64,833 and $106,019. The specific salary offered will depend on several factors including but not limited to applicant’s skills and prior relevant experience. May be eligible for healthcare benefits, 401K plan, ESOP, short term & long-term disability coverage, life insurance, vacation & sick time, educational assistance, and several holidays. Certain roles are eligible for additional rewards.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)