Portfolio Manager I

Univest Financial Corporation; Souderton (Montgomery County); Hybrid; USD 70,000 - 90,000; Full time

Benefits offered by this job

Health Insurance

401(k) with employer match

PTO 15 days annually

Short Term Disability

Paid holidays

Life insurance

Tuition reimbursement

Wellness programs

Job summary

Univest Financial Corporation seeks a Portfolio Manager to support its Commercial Lending team across Souderton and West Chester. You will analyze financial information, manage portfolios, and ensure compliance with lending policies.

Responsibilities include preparing loan packages, performing covenant testing, and coordinating due diligence, closings, and post-closing activities with Relationship Managers, counsel, and title companies.

Qualifications

• Bachelor’s degree in finance or equivalent experience.
• Four years of comparable financial analysis experience.
• Proficient with MS Teams and MS Office suite.
• Excellent communication and relationship-building skills.
• Strong organization and time-management abilities.

Responsibilities

• Prepare loan approval packages with RMs for new originations and renewals.
• Analyze client financials for loan requests, covenants, and reviews.
• Perform cash flow and collateral analyses for deal screening.
• Support due diligence searches and appraisal/environmental reviews.
• Assist in loan closings and post-closing follow-up with stakeholders.
• Lead audit preparation and ensure documentation accuracy.

Skills

Communication/Relationship-Builder

Detail-Oriented

Financial Analysis

Risk Management

Self-Management

Education

Bachelor’s degree in finance

Financial Analyst experience (4+ years)

Tools

Microsoft Teams

Microsoft Office

Video Conferencing

SharePoint

Job description

Overview

At Univest, we’re looking for a detail-oriented and relationship-driven Portfolio Manager to support our Commercial Lending team in Souderton and West Chester. In this role, you’ll work between both locations while partnering closely with Relationship Managers and internal teams to manage portfolios, support commercial lending processes, analyze financial information, build strong client relationships, and ensure compliance with commercial lending policies, procedures, and regulatory requirements.

Responsibilities

Commercial Loan and Portfolio Support

• Prepare the approval package using a Loan Origination System in collaboration with the Relationship Manager to outline the structure, terms, and conditions of the loan facility for new loan origination and renewals/modifications of existing loans.
• Prepare memos for the credit file and underwriting approvals, when necessary.
• Analyze customer financial information in preparation for upcoming loan requests, covenant tests, or annual reviews.
• Ability to prepare financial performance analysis including but not limited to cash flow analysis and collateral analysis for deal screen preparation and underwriting purposes.
• Accountable for facilitating and/or completing covenant compliance testing.
• Review the customer’s risk profile through interpreting financial information, testing loan covenants, and evaluating other non‑financial factors.
• Provide support to the loan origination process through independently assessing the due diligence required for every specific request.
• Facilitate ordering and reviewing all necessary due diligence searches, including but not limited to real estate searches, lien searches, credit reports, background checks, and OFAC reports.
• Provide support to the commercial loan process by ordering and reviewing appraisal and environmental reports.
• Provide support to the loan closing process, such as determining pre‑close items required for loan settlement. This may include, but not be limited to obtaining insurance documentation, communicating directly with title companies, and being responsible for review and final approval of loan coding.
• Partner with Bank Counsel in preparation for loan closings.
• Accountable for reviewing loan documentation for accuracy.
• Provide post‑closing support through follow‑up with customers, Bank Counsel, and title companies, when necessary.
• Monitor and track monthly reporting including but not limited to maturing loans, annual reviews, and exception reporting.
• Partner with Relationship Managers, Administrators, and Customers in clearing exceptions.
• Provide support to Commercial Lending Team in satisfying requirements for construction advances.
• Lead the Audit Preparation for internal and external audits, including but not limited to reviewing files for completeness, file organization, evaluation loan coding accuracy, and preparing responses in collaboration with Relationship Manager.
• Accountable for compliance with laws and regulations that apply to this position including the Univest Code of Conduct.
• Perform other duties as assigned.

Customer Service & Support

• Establish operational relationship with designated clients to handle routine daily operational issues and client requests.
• Support Relationship Managers in prep aration and attendance at client meetings and loan closings.
• Communicate with Relationship Managers and Customers to gather required financial information needed from customers.

Qualifications

• Communication/Relationship-Builder:Excellent interpersonal and communication skills.Clearlycommunicate in a professional mannerthrough verbal, nonverbal, and written communication. Engage withexternal customers andeffectively communicate across all levels of the organization.
• Detail-Oriented:Maintainstrong organizationandeffectivetime-managementto handlemultiple prioritiesat anygiven time.Focus onsmall detailswhen completing tasksin a timely manner.
• Financial Analysis:Ability toindependentlyassesscustomer’sfinancial information todeterminerepayment capacity, collateral coverage, and strength of balance sheet.Confidently preparefinancial performance analysisfor deal screen and underwriting purposes.
• Risk Management:Ability tomonitorperformance of existingportfoliothrough interpreting financial information, testing covenants, and evaluating other non-financial factorsto assess the credit risk profile.Ensurecustomer compliance, portfolio performance, and asset quality remainstrong.Collaborate withRelationshipManager andother partners in the organization to propose strategies and actions to limit risk and loss to the Bank.
• Self-Management:Maintaincomposurein high-pressuresituations.Ability to handle most problems/exceptions in an independent manner.Exude a professional attitudeand willingness to be collaborative.
• Bachelor’s degree in financeand/or equivalent experience in relatedarea.
• Trained Financial Analyst witha minimum offouryears ofcomparable industry experience.
• Software Proficiency:Microsoft Teams or equivalent,Video Conferencing, Microsoft Office, specifically Word, Excel, Outlook, OneNote,PowerPointand SharePoint

Experience/Skills Preferred:

• Prior Salesforce andnCinoexperience
• Knowledge of commercial lendingprocesses and procedures

Wage Range:

The salary for this position ranges from $70,000+

Benefits Overview

Univest offers a comprehensive benefits package that includes:

• Health Insurance: Medical, dental and vision coverage (single or family; begins the first of the month following start date)
• Retirement Plan: Participation in 401(k) plan with up to a 3% employer match after 6 months of employment
• Paid Time Off (PTO): 15 days annually (prorated your first year)
• Short Term Disability: 12 weeks of sick time with a doctors note (prorated your first year)
• Holiday Time Off: 11 paid holidays
• We offer company paid life insurance: as well as other supplemental insurances
• Tuition reimbursement
• Employee Wellness programs: including fitness club discounts and fitness tracker discounts/ annual reimbursement
• Discounts: on loan products
• Professional development trainings

Click here for Benefit Information

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An Equal Opportunity Employer. Univest does not discriminate against any applicant for employment because of race, color, religion, religious creed, ancestry, national origin, age, sex, disability or protected veteran status.

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