FUNCTION: Assist Commercial Loan Officers with
responsibilities in monitoring and managing commercial relationships and portfolios.
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
5. Work directly with
customers as needed and document customer calls, status of accounts, and action
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
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.
knowledge of financial statements.
to multi-task and work effectively with colleagues, managing time and resources
to ensure work is completed efficiently and within established time frame.
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.