Manager, Commercial Group Portfolio

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JOB FUNCTION / SUMMARY:

The Commercial Portfolio Group Manager 1 works under the direct supervision of a Portfolio Group Manager 2, the Director of Portfolio Management & Underwriting or a Regional President.  The position has responsibilities over a market(s) and leadership over a team of Portfolio Managers (PMs).  This position leads, directs and coordinates the credit underwriting and portfolio management functions for the assigned Wholesale Banking portfolio, including market level analytics and reporting.

Scope:

In addition to the leadership duties, and as market conditions dictate, the Commercial Portfolio Group Manager 1 may be assigned to manage a portfolio of Wholesale Banking relationships based upon department utilization.  If applicable, the assigned portfolio will represent < 15 relationships with total commitments ranging from $30 – $150 million (will vary by market).

ESSENTIAL DUTIES & RESPONSIBILITIES:

Essential Duties:

• Lead a team of PMs responsible for underwriting, portfolio management and preserving the asset quality of the assigned Wholesale Banking loan portfolio.
• Establish roles, responsibilities and expectations.
• Effectively coordinate department workflow to ensure that all credit requests are handled in a timely manner, balancing the need to quickly turnaround new requests while handling renewals, amendments, etc. as appropriate.
• Provide oversight and direction over the team’s accuracy and timeliness of credit underwriting and credit approval packages, loan agreement compliance, past due payments, collateral and critical exceptions, financial statement tracking, loan coding, borrower and facility risk rating and the timeliness of annual relationship reviews and annual renewals.
• Effectively partner with senior management, internal (market leaders, sales managers, RMs, credit officers and other business partners) and external partners to efficiently and accurately analyze, underwrite, document and service the portfolio.
• Offer guidance to the team and Credit Delivery partners on credit structure, underwriting and loan documentation.
• Provide leadership in resolving credit related issues among Credit Delivery partners including market leadership, PMs, RMs, credit officers and credit administration.
• Monitor the portfolio’s health quality ratings to identify any developing trends and protect the Bank’s credit soundness.

Additional Duties:

• Maintain various reporting for the assigned portfolio (i.e., pipeline report, portfolio metrics, etc.).
• As appropriate, offer guidance and review Watch Reports and participate in Watch Committee; if necessary assist in the preparation of Watch Reports and be available to present to Watch Committee.
• Periodic interaction with internal credit review, audit and external examiners.
• Review market and industry analyses to evaluate macroeconomic and industry drivers.
• Stay abreast of current legislation and economic conditions which may affect customer relationships and the Wholesale Banking Line of Business; communicates findings as appropriate.
• As needed, lead and/or participate in special projects and ad-hoc committees.
• Openly exchange ideas and opinions and express concerns.
• Safeguard all client information in adherence to bank guidelines, including personal client data, account data and other sensitive information.
• Maintain a working knowledge of bank policies and procedures regarding applicable federal, state, and local banking and industry related laws and regulations applicable to the position, including but not limited to, Anti-Money Laundering, Gramm-Leach-Bliley, OFAC, CRA, Fair Lending, Bank Secrecy Act, etc.
• Ensure timely and successful completion of all annually required bank training assignments.
• Responsible for reporting any procedure or process that doesn’t meet regulatory requirements including fraud, whether suspected or confirmed, to management. This reporting can be directly made to management, including Human Resources or Corporate Security, or can be reported anonymously via the Integrity in Action hotline.
• Responsible for identifying and recommending cross-sell opportunities of ancillary bank products including, but not limited to, Treasury Services, International B