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    Commercial Portfolio Manager - Manchester, United States - NBT Bank

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    Description


    The Portfolio Manager position is responsible for prudent underwriting and effective credit and risk administration with particular emphasis on adherence to credit policy and requirements, financial analysis/modeling, risk evaluation, on-going portfolio maintenance activities, and client support for an assigned portfolio of existing credits and prospects primarily of moderate to medium complexity, with some having higher complexity.


    Education and Experience:
    4 Year College degree, preferably in Finance or Accounting or equivalent education and experience
    5 to 7 years lending experience

    Skills and Abilities:
    Strong verbal, writing and interpersonal skills.
    Excellent analytical, credit and underwriting skills.
    Sound leadership, organizational and time-management skills.
    Complete knowledge of commercial loan policy and appropriate federal and state regulations pertinent to commercial real estate lending.
    Sound understanding of economics, commercial finance and accounting .

    Tasks Performed:


    30% Proactively maintains and services the Credit and Risk administration of assigned portfolio accounts in the commercial banking portfolio to ensure overall commercial banking portfolio performance and asset quality remains strong.

    When necessary, surfaces issues, proposes and collaborates with others on strategies and actions to limit risk and loss to the Bank.

    Meets deadlines associated with maintaining portfolio and compliance with credit and risk policies

    30% Responsible for the structuring, underwriting, and documenting of new loans as well as loans with existing customers, including management of complex credits.

    Takes the lead on the internal credit process for obtaining approvals of credit proposals.

    25% Regular client interaction to support and complement relationship manager with servicing customers and resolving issues related to both credit and other bank products including deposit, ACH, and cash management.

    Attends networking functions and events to establish presence in the community.
    10% Continually develops and maintains specialized knowledge of commercial products including loans, cash management, trade services products and deposits.
    5% Other duties as assigned.

    Physical Requirements:
    Communicate effectively with internal and/or external customers
    Stationary 75% of time or greater
    Move Objects to Maximum 10 lbs
    Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment Visa at this time.

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