Credit Portfolio Manager I in Latham, New York | DiversityInc Careers

Credit Portfolio Manager I

Job Description
•Gathers financial and general business information pertaining to customer and prospect loan requests, performs financial analyses needed to make credit decisions; Contributes and provides input to group loan decision process based on evaluation of credit risk and other key factors; Supports commercial banking team and recommends credit solutions that add value to the Customer.
• Manages specific credit activities to ensure performance quality, consistency of underwriting and timeliness meets or exceeds Customer expectations; May manage overall analytical support and workflow production needs for a department
• Works on larger, more complex deals.
• May manage and/or lead as well as create, develop and introduce commercial and credit-related initiatives.
• Acts as a consultant to business lines regarding credit issues, processes and procedures.
• Functions as a resource for business lines and works with senior management on various issues; managing expectations and negotiating timelines.
• Partners with Lending/Credit Officers to address exceptions identified by internal/external auditors and/or examiners.
• Performs periodic inspections at Customer sites to audit accounts and ensure adherence to loan agreements and terms. Takes appropriate action as necessary to correct deficiencies.
• Coordinates with Account and Relationship Managers to perform routine financial analyses and credit investigations.
• May communicates credit decisions to Relationship Managers and Account Managers.
• Manages and oversees workflow and adherence to policy for department.
• Participates in organizational cost benefit analysis and implementation.
• Manages activities by creating and maintaining quantifiable service level standards against business performance.
• Ensures timeliness of information and efficiency in process and workflow.
• Maintains confidentiality of credit and customer information at all times.
Job Requirements
• 4 year degree or equivalent experience
• Degree in accounting finance, or economics preferred.
• 5+ years related experience
• Strong understanding of commercial business development techniques and credit decisions.
• Demonstrated business development track record.
• Strong market presence with wide network of outside referral sources for new business.
• Demonstrated credit and financial analysis skills.
• Refined negotiation skills
• Demonstrated communication skills, both verbal and written.
• Demonstrated PC skills

  • Must be eligible for employment under regulatory standards applicable to the position.