Commercial Lending Portfolio Specialist

 Description/Job SummaryThe Portfolio Manager completes compliance, credit administration, and loan servicing responsibilities and serves as an information resource for the Commercial Lending Department. Responsibilities/DutiesCompliance & Credit AdministrationMonitors and reviews Borrowing Base Reports (BBR) for compliance, following up with customers as neededMonitors, reviews, and follows up for financial statements on accounts that are required to provide financialsFor loan participations, monitors and follows up with lead lenders on accounts where periodic financial information is requiredIdentifies and resolves issues with above monitoring responsibilitiesEnsures conditions of loan approvals are satisfied Portfolio ServicingAssists Commercial Lenders by processing renewals, new loan requests, and loan servicing actionsMonitors construction loan inspections, disbursements, and billing of undisbursed fees, reporting issues or concerns to the Commercial Lender for resolutionWorks with corporate legal counsel on issues as diverse as review of loan participation documentation, eligibility opinions, and other actions requiring legal counsel’s assistance and inputMonitors covenant compliance, ensuring timely and thorough complianceRequests periodic financial statements from customers to maintain current financial informationServes as tertiary contact for key loan relationships and key loan particpation partners Commercial Lending SupportAssists support staff with loan document production by reviewing loan documents to ensure they include the correctlegal descriptions, note terms and covenants, and conform with the terms of approvalProvides assistance and guidance to support staff with quarterly calculations of unused fees to ensure accuracyProvides guidance to support staff on customer relationship issues when the primary lender is unavailableCoordinates with Loan Accounting Operations with servicing fees on loans sold, participation loan accounting setup on participations purchased, and other general accounting questions when the primary lender is unavailable Back-Up ResourceServes as the back-up resource to the support staffCompletes loan processingProvides customer serviceCreates board reportsCompletes account maintenance ReportingUtilizes on-line research, published reports, contacts within the Farm Credit System, and other resources as needed to maintain and enhance knowledge of specific industries and targeted prospectsDevelops and maintains understanding of risks specific to specific industries and shares information within the Commercial Lending DepartmentUtilizes industry knowledge in financing and servicing discussionsCreates standard quarterly reports on large loan relationships, utilizing information obtained from the Commercial Lender Data Security and ConfidentialityAppropriately protects the confidentiality, security, and integrity of the Association’s systems and data and clients’ data Required SkillsWorking knowledge of accounting principles, practices and methods Working knowledge of credit processing and proceduresSkill in listening and conveying awareness of a customer's problem or issue to find resolutionSkill in utilizing a systematic approach to problem solvingSkill in interacting and working effectively with othersSkill in engaging, colloaborating and building trust amongst team members, along with establishing and maintaining cooperative working relationships.Ability to work independently, being self motivatedSkill in gathering, compiling, organizing and analyzing informationSkill in performing a variety of duties, often changing from one task to another of a different natureSkill in utilizing technology, including Excel and PowerPoint proficiency, to increase efficiencyOral and written communication skills, sufficient to exchange information effectively with peers, supervisor and customersExpert customer service skills, including the ability to communicate complicated information, deliver bad news effectively, and exceed customer expectationsSkill in balancing logic and intuition to make sound decisions in a timely mannerSkill in project management Required QualificationsBachelor’s degree in accounting, business, finance or related field, and3 years of related experience in finance, loan processing, or banking;Or an equivalent combination of education and experience sufficient to perform the essential functions of the job