Commercial Portfolio Manager
City National Bank, Worthington, OH, United States
EQUAL OPPORTUNITY EMPLOYER, INCLUDING DISABILITY/VETS
Summary Description The Commercial Portfolio Manager assists the Commercial Relationship Managers with the initial underwriting of credit opportunities and relationships, and assists in the ongoing administration of loan portfolios to ensure that the Bank maintains high credit quality and to provide more time for the Commercial Relationship Managers to generate new business and maintain existing client relationships.
Essential Functions
Underwrites requests for credit extensions to new and existing clients
Performs detailed financial analysis of credits as directed by the CRM
Prepares loan requests for the CRM’s presentation to appropriate approval authority, including loan modification requests, covenant waivers, annual reviews, etc.
Required financial reporting
Borrowing base availability
Ensures initial set-up of credit facilities on the Loan Vantage system and any other internal system(s) necessary for proper booking of the credit facilities on the Bank’s systems
Ensures timely spreading of interim and annual client financial statements
Accompanies CRM on prospect/client calls when appropriate
Position Requirements
Bachelor’s Degree in Accounting, Finance or related field
Minimum 1 year of credit analysis and underwriting experience
Completion of Bank’s commercial credit training program
Work is generally performed indoors in environmentally controlled conditions
Typically the employee may sit to perform the work. However, there may be some standing, walking, bending and carrying of light items in the course of the work
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions
Critical Skills / Expertise
Knowledge of accounting theory and its practical application for credit underwriting
Strong analytical skills including ability to assess clients’ financial statements, cash flow, industry and competition and projections
Strong written and verbal communication skills
Excellent organization skills with attention to detail
Ability to work in a fast-paced environment and complete assignments in a timely manner with minimal direction
Ability to work independently and within a team
Proficiency in various spreadsheet applications
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Summary Description The Commercial Portfolio Manager assists the Commercial Relationship Managers with the initial underwriting of credit opportunities and relationships, and assists in the ongoing administration of loan portfolios to ensure that the Bank maintains high credit quality and to provide more time for the Commercial Relationship Managers to generate new business and maintain existing client relationships.
Essential Functions
Underwrites requests for credit extensions to new and existing clients
Performs detailed financial analysis of credits as directed by the CRM
Prepares loan requests for the CRM’s presentation to appropriate approval authority, including loan modification requests, covenant waivers, annual reviews, etc.
Required financial reporting
Borrowing base availability
Ensures initial set-up of credit facilities on the Loan Vantage system and any other internal system(s) necessary for proper booking of the credit facilities on the Bank’s systems
Ensures timely spreading of interim and annual client financial statements
Accompanies CRM on prospect/client calls when appropriate
Position Requirements
Bachelor’s Degree in Accounting, Finance or related field
Minimum 1 year of credit analysis and underwriting experience
Completion of Bank’s commercial credit training program
Work is generally performed indoors in environmentally controlled conditions
Typically the employee may sit to perform the work. However, there may be some standing, walking, bending and carrying of light items in the course of the work
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions
Critical Skills / Expertise
Knowledge of accounting theory and its practical application for credit underwriting
Strong analytical skills including ability to assess clients’ financial statements, cash flow, industry and competition and projections
Strong written and verbal communication skills
Excellent organization skills with attention to detail
Ability to work in a fast-paced environment and complete assignments in a timely manner with minimal direction
Ability to work independently and within a team
Proficiency in various spreadsheet applications
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