Capital Bank Portfolio Manager Sr. in Palm Beach Gardens, FL at First Tennessee Bank

Date Posted: 7/31/2019

Job Snapshot

Job Description

Capital Bank Portfolio Manager, Sr
Location: Palm Beach Gardens, FL

The Senior Portfolio Manager (“PM”) proactively manages portfolios, identifying trends and monitoring changes in portfolio conditions. The PM collaborates with Relationship Managers to prioritize requests, provides guidance on policy issues, risk and risk ratings, recommends credit structure, prepares proposals, and evaluates alternative credit structures. This position will be located in our Palm County location in Palm Gardens.

Working with analysts, the PM leads the preparation of analysis and presentation documents and works with other credit officers for approvals. The PM leads the documentation process including working with legal counsel, the identification of covenants and other key provisions.

The PM interacts with prospects and with clients before, during and after the booking of loans.

On an on-going basis, the PM leads the analysts in monitoring of covenants, renewals and annual reviews for the existing portfolio.

Team Lead for other Portfolio Managers

May have credit authority

Duties and Responsibilities:

• Evaluates pertinent information to determine risk rating and whether a prospect and/or existing credit is an acceptable risk
• Works with Commercial Loan Officer(s) prospects and clients answering questions needed for the loan underwriting
• Partners with Commercial Loan Officers in meeting with current and prospective clients to understand the specific customer requirements and needs; collects appropriate financial data and information to ensure an accurate risk assessment and thorough underwriting
• Assists in the pricing and structure of new loans and renewals with the Commercial Loan Officer(s)
• Makes individual client calls and visits as needed to gain a complete understanding of the financial analysis
• Prepares all required financial spreads, Credit Presentation Sheets, Loan Officer Narrative, Relationship Summary, and Loan Pricing Model and prepares packages for approval on all new and existing credits
• Monitors industry trends and analyze specific industry trend data to identify potential areas of risk in the loan portfolio
• Analyzes global cash flow for commercial and individual prospects, borrowers and guarantors to identify financial condition, profitability, repayment ability, operating trends, financial support of credit and other various financial indicators
• Ensures a 120 day renewal letter is sent to the customer identifying the key financial information needed in advance to process the renewal request
• Completes loan covenant compliance reviews and review findings with Commercial Loan Officer(s)
• Prepares forms for transfer of clients into Special Assets
• Maintains, tracks and clears financial exception reports
• Maintains, tracks and clears documentation exception reports
• Works with the loan assistant to clear exceptions
• Monitors and collects past due accounts
• Orders Appraisals and Phase I reports for real estate transactions
• Completes annual loan reviews on each credit with the assigned portfolio
• Completes and passes BVS courses by due date
Requirements •6-8 years experience required; 8-10 years experience preferred
•Bachelor's Degree required for consideration or the equivalent in experience; Master's Degree preferred
•Possesses an understanding of the current business environment
•Good credit knowledge
•Demonstrated knowledge of credit policy and analytical abilities
•Goal and production oriented
•Strong relationship building skills
•Ability to take initiative using strong problem solving skills
•Knowledge level to be a resource on credit issues
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  • All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, gender stereo typing, and age. First Tennessee is an EO employer – M/F/Vets/Disabled.
  • Please view Equal Employment Opportunity Posters provided by OFCCP

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