Portfolio Manager - Flagler(Opens in a new Window)

High Plains Banking Group, Inc

Florida

On-site

USD 68,000 - 90,000

Full time

7 days ago

Be an early applicant

Get a reply from this employer

Your resume and cover letter, tailored to exactly what they’re hiring for.

Get past ATS filters

Benefits offered by this job

ESOP

PTO

Retirement benefits

Health care

Tuition reimbursement

Growth opportunities

Job summary

High Plains Bank is hiring a Portfolio Manager for the Flagler team. You will be a trusted advisor to business and agriculture customers, underwriting loans, monitoring performance, and managing risk in a dynamic portfolio.

You will build client relationships, assess financial information, and coordinate with the team to optimize loan solutions while maintaining compliance and strong customer service. This role requires collaboration and a proactive mindset within our community-focused bank.

Qualifications

Experience in credit analysis or a related field.
Experience with agriculture and commercial loan documentation and underwriting.

Responsibilities

Build relationships with business and agriculture clients and monitor loan portfolio.
Analyze financial information to craft loan solutions that meet client needs.
Monitor existing loans, clear exceptions, and proactively address potential issues.
Collaborate with the team to share insights, strategies, and celebrate successes.

Skills

Credit analysis

Agriculture lending

Loan underwriting

Communication

Tools

Portfolio management software

Job description

Portfolio Manager - Flagler

Portfolio Manager Role Description

High Plains Bank is hiring! Serving Eastern and Northern Colorado, High Plains Bank is an authentic, community-driven bank. We are compassionate problem-solvers and craft bankers, committed to understanding the unique needs of each customer and tailoring solutions to optimize their financial well-Being. We empower each other as leaders and embrace a growth mindset, fostering a supportive environment where everyone feels valued, has the opportunity to thrive, and the ability to get things done.

We are seeking a skilled Portfolio Manager to join our Flagler Team.

Your Mission

As a Portfolio Manager, you will be a trusted advisor for our business and agriculture customers, working closely with them to understand their financial needs and provide solutions. Underwriting loans and monitoring loan performance, identifying potential risks and taking proactive steps to mitigate losses, and maintaining customer relationships will be the heart of your role.

What Sets You Apart

You are a numbers person, but you also have a genuine interest in helping businesses succeed. You enjoy working closely with your team to achieve shared goals. You are a learner and a problem-solver with a keen eye for identifying potential risks. Most importantly, you embrace our "craft banking" philosophy, recognizing that every business is unique and deserves a customized approach.

The Day-to-Day

Your days will be dynamic and engaging, focused on building relationships and ensuring the smooth operation of your loan portfolio. You'll work closely with clients on loan requests and renewals, carefully analyzing financial information and crafting solutions that meet their specific needs. You'll also dedicate time to monitoring existing loans, clearing exceptions, and proactively addressing any potential issues. Collaboration with your team is key, as you'll share insights, strategize, and celebrate successes together.

Experience

What You Bring to High Plains Bank:

Experience in credit analysis or a related field.
Experience with agriculture and commercial loan documentation and underwriting.

Essential Skills And Knowledge

Understanding of credit analysis, financial statements, and loan documentation.
Good communication, interpersonal, and presentation skills.
Ability to work independently and as part of a team.
Knowledge of banking regulations and compliance requirements.
Familiarity with portfolio management software.

Key Accountabilities

Responsibilities of the Position:

Own the Overall Relationship for Existing Customers

Deal Structure for Renewals & Modifications

Set and manage customer expectations
Establish loan purpose
Establish expectations & covenants when necessary

Recommendations & Approvals

Manage pre-flights with Market President and Credit Officers
Explain need for policy & guideline exceptions
Prepare executive summary and approve underwriting narrative
Present the deal to decision makers

Maintain Strong Relationship

Meet customers at regular intervals
Prepare loan action plans when needed

Own Analysis & Identifying Risk Factors for Relationships as Assigned by Market Presidents

Prepare Data without Judgment

Spread financial information and trends
Build alternative scenarios, as needed and requested
Stress test scenarios
Provide collateral analysis
Provide industry comparisons

Identify Risks in Need of Mitigation

What risk factors need further explanation?
How does deal diverge from “best practice”?
What could cause a deal to fail?

Ensure Rigorous and Compliant Credit Management

Work with RM and/or MP who “owns the deal” to ensure that everything is on track and that credit analysis, deal structuring, underwriting, covenant management, reviews, renewals, extensions and file maintenance meet High Plains Bank and regulatory standards.
Take responsibility to ensure that credit standards are met and bank risk is well managed. When necessary, take the lead to underwrite deals to ensure that customers are served in a timely manner.
Work with team members to address inspection, collateral and document exceptions in a timely manner. Work with the team to minimize extensions due to lack of information or timely action.

What High Plains Bank brings to you…

The opportunity to work for a community driven, employee owned business, sharing in our success through our employee stock ownership plan (ESOP)
Highly competitive PTO, retirement and health care
Opportunities for growth, development and learning
Tuition Reimbursement

Target compensation range