Commercial Banking Portfolio Manager III

S&T Bank; Lancaster (Lancaster County); On-site; USD 65,000 - 161,700; Full time

Job summary

S&T Bank in Lancaster, PA is seeking a Commercial Banking Portfolio Manager to provide relationship support to Commercial Bankers across a diverse portfolio including C&I, real estate, municipal, and dealership clients. You will leverage prior credit analysis and loan experience to assist borrowers within the portfolio.

The role emphasizes risk assessment, covenant testing, and monitoring, with travel up to 30% and interdepartmental collaboration to ensure sound relationship management and

Qualifications

• Requires a four-year college degree or equivalent. Accounting, Finance, or Business.
• Requires ten plus years of credit analysis experience and five to ten plus years of specialized experience in Commercial Lending.
• Ability to manage a loan portfolio and perform covenant testing.
• Travel up to 30% of the time.

Responsibilities

• Liaison between Commercial Banker and Credit Administration facilitating modifications, reviews/ renewals, extensions, and covenant testing within designated relationships.
• Perform annual risk rating reviews for client relationships within the assigned borrowing threshold.
• Annual credit facility reviews for audit accountability.
• Conduct Treasury Management Exposure Reviews.
• Routine clearing of financial statements and document exceptions.
• Conduct concentrations limits and portfolio performance for retail, hotels, senior living facilities, etc.

Skills

Credit analysis

Relationship management

Financial statement analysis

Risk mitigation

Covenant testing

Spread analysis

Portfolio monitoring

Credit facility reviews

Client communication

Education

Accounting

Finance

Business

Job description

Location:

205 Granite Run Drive
Lancaster, Pa 17601
Or
2 North Church Street
West Chester, PA 19380

Hours:

Monday - Friday (8:00 AM - 5:00 PM)
(Additional hours as necessary to meet the objectives of the department)

Function:

The Commercial Banking Portfolio Manager provides relationship management to Commercial Bankers for an assigned portfolio including Commercial and Industrial (C&I), Real Estate Development / Management, Municipal, and Dealership clients. In partnership with the Commercial Bankers the Portfolio Managers draw on their prior analytical and commercial loan experience to provide comprehensive support to existing Borrowers within the assigned portfolio.

Duties and Responsibilities:

• Liaison between Commercial Banker and Credit Administration facilitating modifications, reviews / renewals, extensions, and covenant testing within designated relationships.
• Perform annual risk rating reviews for client relationships within the assigned borrowing threshold.
• Annual credit facility reviews for audit accountability.
• Conduct Treasury Management Exposure Reviews.
• Routine clearing of financial statements and document exceptions.
• Conduct concentrations limits and portfolio performance for retail, hotels, senior living facilities, etc.
• Complete monitoring of renewals including all required items with the exception of loan documentation.
• Conduct covenant testing including waiver letters and confirmation of compliance sheets.
• Perform spread analysis of current customer base.
• Review and conduct monitoring of excess cash flow recapture payment billing and collection.
• Prepares period presentations for Criticized and Watch designated Credits.
• Manages loan maturities within assigned loan portfolio. Processes risk rating changes identified by the Commercial Banking Department.
• Underwrites Commercial Loan Modification requests within assigned loan portfolio including line renewals that meet certain criteria.
• May attend client calls with Commercial Bankers in order to gain a thorough understanding of the client’s business and effectively assist in ongoing maintenance of the relationship.
• As a trusted partner, the Portfolio Manager will provide constructive and regular feedback to Bankers to ensure sound relationship quality.
• Conduct site visits and document vacancy / occupancy, as well as, general property conditions via notes and photographs.
• Conduct covenant tests within the assigned borrowing threshold.
• Monitor Credit Performance Of Client Portfolios And Alert Bankers To Changes That May Require Action To Ensure Risk Mitigation And Minimize Potential Losses, Including But Not Limited To
• Facilitating the collection and spreading of financial statements.
• Analyzing collateral quality.
• Performing lease analysis for potential rent roll down / expirations / vacancy.
• Comparing actual performance to pro-formas/projections.
• Monitoring delinquency reports.
• Preparing periodic credit file memos.
• Creates Credit Risk Forecasts for Criticized and Watch Designated Credits.
• Prepares periodic presentations for specialized lending exposure groupings, as needed.
• Organizes and presents various reporting for monthly regional deal team meetings.
• Maintains a good working relationship with Bank employees in other departments.
• Demonstrates strong interpersonal skills with the ability to work independently, as well as motivated to work as a team player to contribute to the success of the department and in turn, the organization.
• Assumes additional duties and responsibilities as assigned.

Education:

Requires a four-year college degree or equivalent. Accounting, Finance, or Business.

Experience:

Requires ten plus years of credit analysis experience and five to ten plus years of specialized experience required in Commercial Lending.

Physical Demands:

Operates an electronic keypad device: 50% of the day. Operates electronic equipment/office equipment: 20% of the day. Travel is required up to 30% of the time. The primary parts of the body involved in performing these tasks are the fingers, thumbs, hands, wrists, elbows. Standing is required 5% of the day; sitting is required 80% of the day and walking is required 15% of the day which is slow in speed. Specific vision requirements include close vision of 18–20” for computer work. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

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 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.

Salary Range:

$65,000.00 - $161,700.00