Commercial Loan Portfolio Manager

QNB Bank Quakertown, PA
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FUNCTION:  Assist Commercial Loan Officers with responsibilities in monitoring and managing commercial relationships and portfolios.

GENERAL DUTIES AND RESPONSIBILITIES:

1. Work with Commercial Loan Officers to manage an assigned Commercial Loan Portfolio.  May have responsibility for a Municipal Loan portfolio.

2. Meet with current and prospective clients to assess the specific customer needs and aid in the development and delivery of solutions designed to meet those needs. This may include referrals to Retail Banking, electronic banking and the branch.

3. Collect and analyze information which reflects the creditworthiness of customers and the current merits of new or existing loans.  Ensure the submission of complete loan packages to the credit department. This includes the coordination of preparing spreads, cash flows, and credit presentations with the credit department for use by the Senior Lending staff, Loan Committee, or Board Loan Committee to make informed credit decisions.  Make presentations to the Board Loan Committee, Executive Committee or other committees as required.

4. Assist in and conduct loan closings and follow-up in both assigned and monitored portfolios, including documentation, appraisal, environmental, title, insurance, credit and exception items.

5. Work directly with customers as needed and document customer calls, status of accounts, and action plans. 

6. Monitor assigned portfolio(s) and relationships for exceptions, expirations, maturities, annual reviews, covenant compliance, delinquencies, and timely receipt of financial information.  Take appropriate action in a timely manner, including transition to special assets, when appropriate.

7. Work with Administrative Assistants, Credit Department, Documentation Department, Loan Services, and other areas of the Bank as required to facilitate workflow and rectify and resolve customer and portfolio issues.  This may include, overdraft and delinquency concerns, pending items, waiver requests, releases, modifications, memorandums, etc.

8. Prepare quarterly Special Assets reports as required.

9. Adhere to policy and compliance requirements in all portfolio management and lending responsibilities.

10. Represent the bank in a professional manner and participate in appropriate civic and community functions to enhance the bank’s image, develop new business, and cross-sell bank products and services.

11.  Complete assigned compliance training in a timely manner and demonstrate ability to apply training to their duties and responsibilities.

12. Assist in developing new procedures and processes to enhance automation and efficiency.

13. Assume additional responsibilities as requested.

REQUIRED TRAINING, EXPERIENCE AND EDUCATION:

1.  Bachelor’s degree in business administration, specializing in finance, accounting or economics, or a minimum of five-years work experience in banking or financial services, including credit/underwriting, and lending or portfolio management.

2. Extensive knowledge of financial statements.

3. Ability to multi-task and work effectively with colleagues, managing time and resources to ensure work is completed efficiently and within established time frame.

4. Self-motivated with strong organizational skills and the ability to work independently.

5. Interpersonal skills to represent QNB in a positive manner when dealing with internal and external customers.

6. Must be proficient in various computer applications, including Microsoft Word and Excel.

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