Sr. Portfolio Manager, VP

FirstBank; Nashville (TN); Sur place; USD 120 000 - 160 000; Plein temps

Résumé du poste

FirstBank is seeking a Senior Portfolio Manager to support Relationship Manager sales efforts through growth, development and management of loan portfolios. The role requires independent risk assessment, advanced financial analysis and leadership to ensure profitability and asset quality across client portfolios.

You will collaborate with RM teams, review and monitor credit processes, and present findings for board approval while maintaining strict compliance with bank policies and industry

Qualifications

• Bachelor’s degree in finance or similar field preferred.
• Experience in banking portfolio management required; knowledge of loan structures and sound credit recommendations.

Responsabilités

• Advise RM team with advanced credit knowledge to drive portfolio growth.
• Negotiate between Sales and Credit to support the sales process.
• Review loan documents pre- and post-closing for the bank’s systems.
• Prepare, review, and monitor reports to ensure FirstBank compliance and credit monitoring.
• Analyze complex credit requests and perform financial statement analysis using standard tools.
• Prepare reports on loan commitments and balances for board approval.
• Collaborate with market leadership to promote client portfolio growth and asset quality.
• Monitor past due information and future maturities; alert RMs as needed.
• Analyze key financial metrics for loan risk rating matrices.
• May lead others and develop PM team skills.

Connaissances

Credit analysis

Financial statement analysis

Relationship management

Negotiation

Risk assessment

Portfolio management

Formation

Bachelor’s degree in finance or related field

Description du poste

Summary:

The Senior Portfolio Manager (Sr. PM) demonstrates advanced proficiency in supporting Relationship Manager (RM) sales efforts through the growth, development and effective management of loan portfolios, helping ensure positive performance. The Sr. PM works independently to assess risk by evaluating, designing and overseeing all aspects of the portfolio construction, and drives profitability by performing advanced and/or broad financial and credit analysis; manages client relationships independently and in conjunction with the RM.

Essential Duties and Responsibilities:

• Applyanadvancedlevelofcreditknowledge,servingasaresourceforthe RMteamand market as a whole.
• Effectivelyusenegotiation skills with a strong focus on the sales process, operating as a bridge between Sales and Credit.
• Review documents for pre- and post-closing including the submission of pre-requisite and recurring credit source documentation to the bank’s imaging system.
• Prepare, review, and monitor reports to ensure FirstBank guidelines for compliance and credit monitoring are being met.
• Analyze complex credit requests and perform financial statement analysis utilizing the bank’s standardized analysis tools.
• Prepare, review, and monitor reports analyzing loan commitments and outstanding balances by customer, loan type, property type, location, size, etc., responsible for report preparation for board approval.
• Partner with market leadership, Regional Presidents, and Regional Credit Officers in support of the RMs to promote client portfolio growth and strong asset quality
• Monitor past due information and future maturities, alerting the RMs as needed.
• Perform the analysis of key financial metrics for input in commercial loan risk rating matrices to ensure accurate stratification of the bank’s commercial loan grading portfolio.
• Demonstrateanadvancedunderstandingoffinancialspreads,modeling,andmonitoring.
• Performresearchtomaintaincurrentknowledgeofindustrytrendsandchanges,ensuringthePMteamremainscompliantwithbothFirstBankandindustrystandards.
• Mayleadothersanduseadvancedportfoliomanagementskillstodeveloptheskillset ofthePMteam.
• Attend internal and client meetings independently representing the PM and/or RM teams as needed.
• Function as part of the RM team as a capable secondary point of contact for commercial clients
• Model consistent, distinctive service to all customers when delivering the FirstBank service experience.
• Practice safe and sound bank procedures, including adherence to applicable laws and regulations, internal controls, operational procedures, risk management policies, and security protocols.
• Provide independent analysis of credit requests and provide an effective challenge in loan approval and grading.
• Ensure source documentation and credit analysis are accurate and supported.
• Regularandreliableattendance.
• Performotherdutiesasassigned.

Qualifications:

Education and/or Experience:

• Bachelor’s degree in finance or similar field preferred
• Experience in banking portfolio management required; possess extensive knowledge of various loan structures and have the ability to apply this knowledge in the formulation of sound credit recommendations

Skills and Abilities:

• Strong verbal and written communications; one-on-one and in team environments
• Ability to identify strengths and weaknesses of individual requests and make recommendations to address and mitigate perceived risks
• Ability to allocate time effectively and independently to prioritize timelines
• Strong personal organizational and time management skills
• Ability to demonstrate the highest level of ethical behavior and confidentiality and maintain confidentiality with sensitive information
• Understand and comply with bank policy, laws, regulations as applicable to your job duties. This includes but is not limited to; complete compliance training and adhere to internal procedures and controls; report any known violations of compliance policy, laws, or regulations and report any suspicious customer and/or account act activity