Portfolio Manager

Ts Banking Group; Council Bluffs (IA); On-site; USD 90,000 - 130,000; Full time

Benefits offered by this job

Health insurance

Dental insurance

Life insurance

Generous PTO and holidays

401K contribution and match

Professional development expense

Gym membership reimbursement

Wellness program

Job summary

TS Banking Group in Council Bluffs is looking for a Portfolio Manager to oversee a commercial loan portfolio, ensuring credit quality, timely renewals, and proactive client service. You will work with calling officers, credit analysts, and loan operations to monitor performance, address risk, and maintain strong client relationships across banking products.

The role requires collaborating across departments to structure and document credit requests, and to expand relationships through referrals

Qualifications

• Bachelor's degree from a four-year college or university preferred.
• 3–4 years related experience and/or training or equivalent.
• Experience in commercial lending and relationship management.

Responsibilities

• Manage a portfolio of commercial loan relationships and monitor credit quality.
• Coordinate renewals, annual reviews, and financial reporting requirements.
• Collaborate with credit analysts, loan operations, and calling officers.
• Prepare complete loan packages and submit credit requests through approval processes.
• Provide responsive client service and address inquiries related to loan products.
• Retain and deepen client relationships through referrals for cash management and other services.

Skills

Portfolio management

Credit analysis

Client relationship management

Renewals & structuring

Cross-functional collaboration

Education

Bachelor's degree

Job description

TS Bank is seeking to hire a Portfolio Manager. Thisposition is responsible for managing an assigned portfolio ofcommercial loan relationships, providing responsive client service,maintaining credit quality, and completing timely renewals and otherportfolio-related activities. This role assumes ongoing portfoliomanagement responsibilities from outbound calling officers, allowingthose officers to devote greater time and capacity to developing newbusiness. The Portfolio Manager works closely with clients, callingofficers, credit analysts, loan operations, and other internalpartners to monitor financial performance, identify and address risk,structure and document credit requests, resolve servicing needs, andretain and expand existing relationships through appropriate referralsand cross-selling. All responsibilities are performed in accordancewith established lending objectives, credit standards, policies,procedures, and regulatory requirements.

Education and/or experience preferred includes: Bachelor's degree (B.A.) from four-year college or university preferred; or three to fouryears related experience and/or training; or equivalent combination ofeducation and experience.

Location: Council Bluffs, IA

Experience and Skills:

• Assume responsibility for assigned commercial loan relationshipstransitioned from outbound calling officers and serve as the primarycontact for ongoing portfolio management and servicing needs.
• Develop a thorough understanding of each borrower’s business,financial condition, credit structure, collateral, repaymentsources, and relationship with the bank.
• Proactively manage upcoming maturities, renewals, annual reviews,financial reporting requirements, covenant compliance, collateraldocumentation, and other portfolio follow-up items.
• Work with credit analysts to evaluate borrower financial andcredit information, collateral, repayment capacity, and thefeasibility of granting, renewing, or modifying credit. Correspondwith clients to obtain information and resolve questions.
• Prepare and compile complete loan packages, recommend appropriatestructures and terms, facilitate negotiations, and submit creditrequests through established approval processes.
• Coordinate with loan operations and other internal partners toensure loan agreements and documentation are complete and accurateand that approved renewals, modifications, closings, and fundingactivities are completed on time.
• Provide responsive service by assisting clients with inquiries,information requests, and issues related to commercial loan productsand services.
• Maintain portfolio quality by monitoring credit performance, riskratings, delinquencies, covenant exceptions, documentationdeficiencies, and emerging risks; elevate concerns promptly and recommend appropriate action.
• Counsel borrowers and recommend remedies for delinquent ortroubled credits. Participate in collection and workout processesand help develop revised repayment terms or schedules when appropriate.
• Retain and deepen existing client relationships by identifyingneeds and making appropriate referrals for cash management, wealthmanagement, insurance, and other bank products and services.
• Collaborate with outbound calling officers on relationshiptransitions, client communications, complex credit matters, andopportunities that require coordinated coverage.
• Accompany calling officers on selected client visits andrelationship meetings when portfolio knowledge, credit expertise, orcoordinated support can add value to the relationship.
• Establish and maintain positive relationships with clients,businesses, community partners, and professional advisors whilepromoting the bank’s favorable image.
• Ability to perform all other duties as assigned.
• Comply with all banking and company regulations, policies, and procedures.
• Ability to read and interpret documents such as safety rules,operating and maintenance instructions, and procedure manuals.Ability to write routine reports and correspondence. Ability toeffectively present information and respond to questions fromemployees of company and the general public. Must possess goodcommunication skills. Ability to add, subtract, multiply, and dividein all units of measure, using whole numbers, common fractions, anddecimals. Ability to compute rate, ratio, and percent and to drawand interpret bar graphs.
• Ability to operate the following: telephone, personal computer,printer, copy machine, fax machine. Working knowledge of wordprocessing, spreadsheet, and database software programs. Advanced PCknowledge beneficial.
• To effectively perform the job, must have reliable transportationto travel to and from work and other work-related events, meetings,interactions with clients, etc.
• Position may require the ability to work before or after normalbusiness hours, including weekends and overnight travel, to meetrequired deadlines and attend meetings and/or training programs.

Competitive benefits package:

• Health and dental insurance
• Life insurance package
• Generous PTO and holiday package
• 401K contribution and match
• Professional development expense allowance
• Gym membership reimbursement
• Wellness program

EEO Employer/Vet/Disabled

TS Banking Group is a covered federal contractor or subcontractor subject to the requirements of the Vietnam Era Veterans Readjustment Assistance Act (VEVRAA), as amended, and Section 503 of the Rehabilitation Act of 1973, as amended. As such, TS Banking Group is bound by the terms of VEVRAA and Section 503, and shall not discriminate against individuals with disabilities, and is committed to take affirmative action to employ and advance in employment protected veterans and individuals with disabilities.
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