SCS Portfolio Manager

FirstBank; Birmingham (AL); On-site; USD 45,000 - 65,000; Full time

Job summary

FirstBank in Birmingham, Alabama is seeking an Underwriter to provide exceptional lending experiences for small business and consumer loan requests. The role involves analyzing financial status, evaluating credit histories, and adhering to regulatory requirements.

The ideal candidate will possess strong relationship building skills, excellent communication abilities, and a minimum of three years of experience in a similar role. This is an excellent opportunity to join a mission-driven organization committed to customer advocacy.

Qualifications

• Three years’ experience as a Small Business or Consumer Underwriter or Portfolio Manager for a financial institution.
• Ability to manage multiple priorities effectively.
• Excellent interpersonal skills for explaining loan terms and policies.

Responsibilities

• Build trust with members and staff by demonstrating Core Values.
• Analyze applicants' financial status and credit for loan feasibility.
• Obtain and compile loan applicants' credit histories and financial statements.
• Review supporting documentation to validate credit files.
• Evaluate member income documentation including paystubs.
• Adhere to all lending policy and procedure.
• Identify credit trends to inform management.
• Work using multiple technologies in a fast-paced environment.

Skills

Excellent verbal communication skills

Excellent written communication skills

Strong relationship building skills

Excellent organizational skills

Independent work capabilities

Multi-lingual capabilities (Spanish)

Education

High school diploma or equivalent

College Degree

Job description

Summary

Responsible for creating an exceptional lending experience by providing appropriate decisions on small business or consumer loan requests including real estate loans, secured & unsecured term loans, and lines of credit in a timely and accurate manner. Works with members and staff from all markets to review submitted applications for suitability to FirstBank’s current lending policies and goals. Adheres to established loan policies, policies, laws, and regulations while demonstrating unwavering commitment to FirstBank’s mission, vision and values.

Upholds legal, regulatory and compliance requirements unique to the role, in addition to Bank Secrecy Act, Anti-Money Laundering, OFAC, and Information Security policies and procedures. Completes annually required compliance related courses as established by FirstBank.

Essential Duties and Responsibilities

• Effectively builds trust with members and internal staff by embodying and demonstrating the Core Values of the organization. Consistently advocates for customers, offering opportunities for financial equity, prosperity and the tools to thrive through every interaction. Demonstrates value and difference by expertly informing our community of effective financial products, services, and solutions to help them attain their full potential.
• Analyze applicants' financial status, credit, and complete property evaluations to determine feasibility of granting loans.
• Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
• Request and review supporting documentation in order to validate aspects of the presented credit file.
• Evaluate member income documentation to include paystubs and personal tax returns.
• Adhere to all stated lending policy and procedure.
• Identify application and credit trends with the intent to inform management.
• Work in a fast paced environment through the use of multiple technologies, tactics and approaches.
• Perform other job duties as assigned.

Qualifications

• Excellent verbal, written and interpersonal communication skills with the ability to explain programs, loan terms, features, policies and benefits to members and business partners.
• Strong relationship building and teamwork skills.
• Excellent organizational and time management skills with ability to work independently and manage multiple priorities.
• Multi-lingual capabilities to include Spanish are a plus.

Education/Experience/Certification

• Three years’ experience as a Small Business or Consumer Underwriter or Portfolio Manager (or similar role) for a financial institution required.
• High school diploma or equivalent required.
• College Degree a plus