Portfolio Banker

Park State Bank; Grand Rapids (MI); Presencial; USD 60.000 - 90.000; Jornada completa

Descripción de la vacante

Park State Bank is seeking a Portfolio Banker to monitor credit profiles, manage client relationships, and drive cross-sell opportunities while ensuring timely renewals and proper documentation. The role emphasizes exceptional service and strategic banking solutions within a community-focused environment.

The Portfolio Banker will engage with customers, support complex loan needs, and coordinate with underwriting to manage risk and profitability.

Formación

• Knowledge of credit policy and underwriting
• Strong verbal and written communication
• Attention to detail and documentation
• Experience with loan/account maintenance
• Ability to multitask in a fast-paced environment

Responsabilidades

• Monitor credit profiles in assigned portfolio
• Maintain and grow customer relationships through service
• Process renewals, extensions and annual reviews
• Identify cross-sell opportunities in loans and depository products
• Ensure loan transactions are properly documented and closed

Conocimientos

Credit analysis

Relationship management

Cross-sell opportunities

Client service

Educación

Accounting or business degree

Commercial lending exposure

Herramientas

Microsoft Word

Excel

PowerPoint

Access

Outlook

Descripción del empleo

CORE VALUES:

Park State Bank’s Core values are GROWTH, TEAMWORK, RESPONSIVE, TRANSPARENT, And INNOVATIVE. We endeavor to live by these values in all that we do!

MISSION:

The mission of Park State Bank is to deliver exceptional client service, strategic banking solutions and a community-friendly experience.

POSITION SUMMARY:

The principal functions of the Portfolio Banker are to (1) continuously monitor and assess the credit profiles of the customers in her/his assigned portfolio; (2) help retain customer relationships by providing exceptional service; (3) ensure that renewals, extensions and annual reviews are completed in a timely manner; (4) seek ways to enhance customer profitability by continuously looking for cross-sell opportunities; (5) replace runoff and amortization in the portfolio by selling deeper into the book of business and (6) continuously seek referral opportunities from current customers and centers of influence.

PRIMARY RESPONSIBILITIES AND ACCOUNTABILITIES:

1. Manages basic and complex relationships (credits, deposits, and fee based products/services) that require simple to complex analysis
2. Performs or initiates account/loan maintenance as required
3. Acts as liaison for customer inquiries, issues account instructions; redirects questions and requests as necessary if issues relate to other departments
4. Ensures accuracy of information, data, and documentation for all portfolio accounts
5. Actively participates in customer meetings to further the relationship and expand business opportunities
6. For new and renewing loan requests, determines borrower credit-worthiness in accordance with credit policy and manages the request through the appropriate underwriting, approval and closing processes
7. Ensures that loan transactions are properly documented
8. Conducts continuous review and administration of loans
9. Manages enterprise risk for products and services, including depository services and Treasury Management products
10. Reports credit risk issues in a timely manner
11. Proactively reviews existing relationships for product penetration and calls on opportunities (loans, deposits, fees and non-credit products and services); issue proposals as appropriate
12. Identifies and refers business opportunities to internal product partners and other target market business lines
13. Seeks out referrals from existing customers and COI’s

SECONDARY RESPONSIBILITIES AND ACCOUNTABILITIES:

• Responsible to become knowledgeable about and adhere to all relevant compliance regulations (as it affects the department).
• Other duties as may be assigned.

COMPETENCIES:

• Customer Orientation
• Results Orientation
• Integrity
• Initiative
• Team Player

WORKING CONDITIONS:

Will need to be able to handle stressful situations and function in a very fast-paced environment while remaining calm and precise. Must have excellent interpersonal and organizational skills and enjoy working with the public. Will need to communicate in a clear, concise, and pleasant manner.

May, on occasion, have to work longer hours than scheduled.

Must be able to meet deadlines, multi-task and adjust priorities as necessary. Must possess strong organizational, analytical, communication, and interpersonal skills, including the ability to work with all levels of management and the Bank’s vendors. Must be a self-starter who challenges existing processes and can identify and implement efficiencies and cost-saving solutions. Will have access to and knowledge of all employees’ accounts, customer information, and the bank’s finances, so the ability to keep information confidential is extremely important.

The employee will be working in an indoor office setting in a light work situation (exerting up to 20 lbs. of force frequently, and/or a negligible amount of force constantly to move objects). Must be able to remain in a stationary position 50% of the time and be able to occasionally move about inside the office to access file cabinets, office machinery, etc. Constantly operates a computer and other office productivity equipment. Employee frequently communicates with employees, customers and vendors. Will be required to travel to branches within region on a weekly basis, so must have a valid driver’s license and reliable transportation. Must be able to exchange accurate information both orally and written in English. Employee will be required to travel to branches located within the region.

Despite ongoing security training, there is always the possibility of a bank robbery.

GENERAL NOTICE:

This description is not designed to cover or contain a comprehensive list of activities, duties or responsibilities that are required of the employee. Other duties may be assigned as necessary.

Experience

• General knowledge of financial lending regulations
• General knowledge of credit philosophy and policies as well as loan documentation
• Strong verbal, written, and interpersonal skills, as well as analytic and problem solving skills
• Intermediate knowledge of Microsoft Word, Excel, PowerPoint, Access, and Outlook (e.g. create templates, complete mail merges, insert and edit charts, create basic formulas, create queries)
• Ability to quickly make sense of, combine, and organize information into meaningful patterns

Other Skills and Abilities

• Strong communication skills
• Customer service focused
• Maintain confidentiality of customer information
• Resourceful, well organized and ability to multitask
• Effective problem-solving and decision-making skills
• Strong attention to detail

Requirements

• A high school diploma or GED is required.
• 2 or more years of experience in commercial lending as a credit analyst, underwriting specialist, portfolio manager or relationship manager and/or accounting or business-related degree