Commercial Lending Portfolio Manager III - Ridgeland, MS

At BankPlus, we strive to add value for our employees, customers and shareholders. We are a high-performing TEAM committed to fulfilling promises, building lasting relationships, and making dreams come true.

All current employees must have a performance rating of Outstanding or High-Performing to be eligible to post for a position.


General Position Scope:

The Commercial Lending Portfolio Manager III is responsible for leading a team of portfolio managers, managing workflow and pipelines of loans through the approval process, providing support and guidance to team and lesser experienced lenders. Additionally, will be involved in evaluating, recommending approval/disapproval of complex commercial loan applications in a timely manner while adhering to bank standards and loan policies. The Commercial Lending Portfolio Manager III will work with Manager or Commercial Lenders to meet client expectations.

Duties and Responsibilities:

• The Commercial Lending Portfolio Manager III will underwrite loan requests which include new loans, amendments, extensions, modifications and renewals.
• Works with lender to analyze financial information and produce a cash flow worksheet.
• Responsible for performing and reviewing financial analyses.
• Analyze financial statements, industry and market data and prepare credit approval package that clearly outlines and expresses an independent opinion on key considerations in the credit decision.
• Produce business, personal and global cash flows.
• Orders environmental reports.
• Work with Lender in evaluating the general contractor and property management company, if applicable.
• Along with lender, review draw requests, title endorsements and coordinates property inspection and certification of draw by an independent inspector.
• Responsible for working with lender and customer, including accompanying lender with customer calls and collect financial information.
• Track and resolve document exceptions related to closing and all ongoing exceptions.
• Test project performance against original underwriting and appraisal projections upon receipt of required reporting information.
• Perform annual, quarterly, or more frequent reviews to assess project performance via covenant testing, if applicable, and risks associated with the project, borrower, and guarantors.
• Work with Commercial Lenders in obtaining and reviewing construction loan documentation in relation to Borrower draw requests.
• Pull credit reports.
• Works with lender to produce term sheets and commitment letters.
• Works with lender in entering information in nCino and submitting loan packages for approval.
• Gather all appropriate documentation such as Leases, other special conditions, etc.
• Review all loan documents prior to and post-closing to ensure accuracy and completion in accordance with loan approval.
• Create management reports based on in-house data.
• Assist lenders outside the lines of business with underwriting and packaging deals.
• Prepares files for Loan Review and Examiners.
• Remain informed of current economic and legislation conditions.
• Serve in civic, community and industry related activities, as needed.
• Remain current on FDIC, OCC, and State Banking Regulations.
• Maintains a thorough knowledge of Bank products, services, policies, procedures,
and appropriate regulatory issues as related to daily job functions, including but not limited to: Bank Secrecy Act; Privacy Act; Fair Lending Act; Regulation E, etc. Completes required compliance training and adheres to the Bank’s standard of conduct.
• Participates in the bank’s High-Performance Rewards Connections program.
• Makes referrals to the Mortgage Center and Wealth Management.
• Performs other duties as requested.

Position Requirements:

• Bachelor’s degree in Business Administration, Finance, Accounting or a closely related field
• Preferred minimum 10 years banking experience with at least 2 years credit analysis experience and working with Underwriters and Lenders
• Experience assisting Commercial Lenders with complex, diversified sensitive and high dollar credit amounts
• Extensive knowledge of commercial and retail lending services, documentation, underwriting, regulatory guidelines, financial ratios, credit analysis, and lending duties is required
• Able to interpret and analyze personal and business tax returns/financial statements
• Ability to calculate complicated financial ratios and apply accordingly
• Excellent communication skills both orally and in writing, read, analyze, and interpret general business periodicals, professional journals, technical procedures or governmental regulations
• Ability to write reports, busine