Corporate Banking Portfolio Manager II - Jackson, MS

BANKPLUS; Jackson (MS); On-site; USD 70,000 - 100,000; Full time

Job summary

BANKPLUS is seeking an experienced Corporate Banking Portfolio Manager II to evaluate and prepare commercial loan applications and recommend approvals in a timely manner. You will collaborate with senior lenders to meet client expectations and drive loan approvals.

Responsibilities include underwriting larger loans, performing financial analyses, preparing credit packages, and coordinating draws and inspections. Strong communication and regulatory knowledge are essential.

Qualifications

• Bachelor’s degree in Business Administration, Finance, Accounting, or related field.
• Minimum 5 years banking experience with at least 2 years’ credit analysis.
• Experience with complex loans and with Commercial Underwriters and Lenders.
• Strong knowledge of lending regulations and credit analysis.
• Excellent written and verbal communication; able to write reports.
• Proficient in Microsoft Office (Excel, Word, Outlook).

Responsibilities

• Underwrite larger, more complex loan requests.
• Perform and review financial analyses and cash flow worksheets.
• Prepare credit approval packages with independent opinions.
• Review loan documents before/after closing for accuracy.
• Enter information into nCino and submit loan packages.
• Coordinate appraisals, environmental information, and borrower draws.
• Stay informed of regulatory guidelines.

Skills

Financial analysis

Credit analysis

Underwriting

Communication skills

Regulatory knowledge

Financial statement analysis

Microsoft Office

Education

Bachelor’s degree in Business Administration, Finance, Accounting, or related field

Master’s degree in Business Administration, Finance, Accounting or closely related field

Tools

nCino

Job description

The Corporate Banking Portfolio Manager II is responsible for evaluating and preparing commercial loan applications and recommending approval/disapproval of complex commercial loans in a timely manner while adhering to bank standards and loan policies. The Corporate Banking Portfolio Manager II will work with the senior manager, Commercial Lenders, and Corporate Banking Lenders to meet client expectations.

Duties and Responsibilities:

• The Corporate Banking Portfolio Manager II will learn to underwrite larger, more complex loan requests which include new loans, amendments, extensions, modifications, and renewals.
• Responsible for performing and reviewing financial analyses and producing a cash flow worksheet.
• Analyze financial statements, industry and market data and prepares credit approval package that clearly outlines and expresses an independent opinion on key considerations in the credit decision.
• Work with Lenders in evaluating the general contractor and property management company, if applicable.
• Work with Commercial and Corporate Banking Lenders in reviewing borrowing base certificates to assess compliance.
• Pull credit reports.
• Work with lender to produce term sheets and commitment letters.
• Along with lender, review draw requests and coordinates property inspection and certification of draw by an independent inspector
• Track and resolve document exceptions related to closing and all ongoing exceptions.
• Test performance against original underwriting and covenant requirements upon receipt of required reporting information
• Work with lender to enter information into nCino and submit loan packages for approval.
• Request financial spreads, global cash flow analysis, appraisals, evaluations, and environmental information.
• Work with Commercial and Corporate Banking Lenders in obtaining and reviewing construction loan documentation in relation to Borrower draw requests. Gather BBCs, Leases, GCs, etc.
• Review all loan documents prior to and post-closing to ensure accuracy and completion in accordance with loan approval.
• Perform annual, quarterly, or more frequent reviews to assess project performance via covenant testing, if applicable, and risks associated with the project, borrower, and guarantors.
• Remain informed of current economic and legislation conditions.
• Serve in civic, community and industry related activities, as needed.
• Remain current on FDIC, OCC, and State Banking Regulations
• Maintains a thorough knowledge of Bank products, services, policies, procedures, and appropriate regulatory issues as related to daily job functions, including but not limited to: Bank Secrecy Act; Privacy Act; Fair Lending Act; Regulation E, etc. Completes required compliance training and adheres to the Bank’s standard of conduct.

• Participates in the bank’s High-Performance Rewards Connections program.
• Makes referrals to the Mortgage Center and Wealth Management.
• Performs other duties as requested.

Position Requirements:

• Bachelor’s degree in Business Administration, Finance, Accounting, or a closely related field
• Minimum 5 years banking experience with at least 2 years’ credit analysis experience and working with Commercial Underwriters and Lenders or a Master’s degree in Business Administration, Finance, Accounting or a closely related field
• Must have experience working with complex loans
• Experience assisting Commercial Lenders with high dollar credit amounts
• Extensive knowledge of commercial and retail lending services, documentation, underwriting, regulatory guidelines, financial ratios, credit analysis, and lending duties is required
• Able to interpret and analyze personal and business tax returns/financial statements
• Ability to calculate complicated financial ratios and apply accordingly
• Excellent communication skills both orally and in writing, read, analyze, and interpret general business periodicals, professional journals, technical procedures or governmental regulations
• Ability to write reports and business correspondence
• General computer and typing experience with Microsoft Office Suite, to include Excel, Word, and Outlook
• Must possess attention to detail
• Work outside of regular business hours, as deemed necessary
• Ability to handle multiple tasks with daily deadlines.