SVP Credit Portfolio Manager, Grandview

Southpointbanking; Birmingham (AL); Hybrid; USD 85,000 - 110,000; Full time

Job summary

SouthPoint Bank is seeking an experienced credit analyst to support the loan portfolio and risk management functions. The role involves analyzing loss reserves, preparing Board reports, and overseeing loan policy compliance.

The candidate will coordinate with loan operations and the Credit Department, ensuring accurate procedures from application to closing and ongoing monitoring for large relationships.

Qualifications

• Bachelor’s degree or equivalent combination of education and experience required.
• Seven to ten years of experience in credit analysis and loan underwriting or related loan review experience.

Responsibilities

• Perform quarterly analysis of the Allowance for Credit Losses.
• Prepare monthly Board reports related to credit quality of the loan portfolio.
• Manage loan policy and reporting for internal monitoring and loan review/audit purposes.
• Secretary to the Directors Loan Committee for loans >$5 million.
• Coordinate with loan staff to ensure cohesive loan procedures from application to closing.

Skills

Analytical

Problem Solving

Project Management

Quality Management

Business Acumen

Strategic Thinking

Adaptability

Quantity

Education

Bachelor’s degree or equivalent

Tools

Microsoft Office

Excel

Job description

Location: Grandview Main Office / Remote

FLSA: Exempt

Summary

Essential duties and responsibilities include the following:

• Perform quarterly analysis of the Allowance for Credit Losses
• Prepare monthly Board reports related to the credit quality of the bank’s loan portfolio
• Manage loan policy and technical exception reporting for both internal monitoring and loan review/audit purposes
• Serve as Secretary to the Directors Loan Committee which documents discussion and approval of loan relationships greater than $5 million
• Alternate voting member of the Credit Loan Group
• Serve as member of the Credit Policy Committee
• Manage communication between loan assistants, loan operations, and the Credit Department to ensure cohesive and accurate loan procedures are established and followed from initial application to the closing and booking of loans
• Manage processes related to loan monitoring over life of loan for larger relationships including annual reviews, covenant testing, borrowing base tracking, file maintenance, etc.
• Develop and continually update SouthPoint Bank’s Loan Policy and Procedures to align with ever-changing regulations or market conditions
• Coordinate meetings, projects, and continued improvement initiatives associated with loan department software platforms – i.e. Sageworks Abrigo, Horizon, ImageCentre, LaserPro, etc. to better ensure the user experience and bank compatibility
• Review the accuracy and continually improve the uniformity of credit offering reports prepared by the Credit Department
• Assist Credit Department with portfolio management and loan reviews
• Other duties may be assigned

Analytical: Synthesizes complex or diverse information; Collects and researches data; Uses intuition and experience to complement data.

Problem Solving: Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Works well in group problem solving situations; Uses reason even when dealing with emotional topics.

Project Management: Develops project plans; Coordinates projects; Communicates changes and progress; Completes projects on time and budget.

Quality Management: Looks for ways to improve and promote quality; Demonstrates accuracy and thoroughness.

Business Acumen: Understands business implications of decisions; Displays orientation to profitability; Demonstrates knowledge of market and competition; Aligns work with strategic goals.

Strategic Thinking: Develops strategies to achieve organizational goals; Understands organization's strengths & weaknesses; Analyzes market and competition; Adapts strategy to changing conditions.

Adaptability: Adapts to changes in the work environment; manages competing demands; Changes approach or method to best fit the situation.

Quantity: Meets productivity standards; Completes work in timely manner.

Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education/Experience: Bachelor’s degree or equivalent combination of education and experience required. Seven to ten years of experience in credit analysis and loan underwriting in a financial institution or equivalent experience in loan review, auditing, or financial analysis required.

Computer Skills: To perform this job successfully, an individual should have knowledge Microsoft office products including Word and Excel.

Physical Demand: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision. While performing the duties of this job, the employee is occasionally required to stand; walk; sit; use hands; talk and/or hear.