Commercial Banking Portfolio Manager III

Stbank; Lancaster (Lancaster County); On-site; USD 65,000 - 161,700; Full time

Job summary

Stbank in Lancaster and West Chester seeks a Commercial Banking Portfolio Manager III to provide relationship management and strong analytical support across C&I, real estate development/management, municipal and dealership clients.

You will review credit facilities, monitor risk, perform covenant testing, and prepare credit memos while partnering with Commercial Bankers to maintain sound client relationships and ensure growth in the portfolio.

Qualifications

• Requires a four-year college degree in Accounting, Finance, or Business.
• Requires ten plus years of credit analysis experience and five to ten plus years of specialized experience in Commercial Lending.

Responsibilities

• Liaison between Commercial Banker and Credit Administration for modifications, reviews/renewals, extensions, and covenant testing.
• Perform annual risk rating reviews for client relationships within the assigned borrowing threshold.
• Conduct Treasury Management Exposure Reviews and monitor cash flow and collateral.
• Prepare period presentations for Criticized and Watch designated Credits and credit file memos.
• Travel up to 30% and participate in client calls to understand borrower businesses.

Skills

Credit analysis

Relationship management

Financial statement analysis

Treasury management

Cash flow analysis

Education

Bachelor's degree in Accounting/Finance/Business

Job description

## Commercial Banking Portfolio Manager IIIApplylocations: Lancaster Building: West Chester Buildingtime type: Full timeposted on: Posted Yesterdayjob requisition id: R-1531**Location:**205 Granite Run DriveLancaster, Pa 17601Or2 North Church StreetWest 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 ReviewsRoutine clearing of financial statements and document exceptions.Conduct concentrations limits and portfolio performance for retail, hotels, senior living facilities, etcComplete monitoring of renewals including all required items with the exception of loan documentationConduct 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 thresholdMonitor 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 statementsAnalyzing collateral qualityPerforming lease analysis for potential rent roll down / expirations / vacancyComparing actual performance to pro-formas/projectionsMonitoring delinquency reportsPreparing periodic credit file memosCreates 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 a 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 DisabilitiesThe 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)**Salary Range:**$65,000.00 - $161,700.00