Portfolio Manager (CRE)
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Job Location:
Monthly Salary:
Posted on:
18-10-2025
Vacancies:
1 Vacancy
Job Summary
SUMMARY
With direction and supervision from department head provides direct support to Relationship Manager(s) to develop and analyze all relevant credit information pertaining to a wide range of loans. Prepares or assists in the preparation of Credit Authorizations in accordance with the Banks policies and procedures for presentation to senior credit personnel and/or credit committees. Prepares detailed collateral analysis and coordinates appraisal and third party analysis. Spreads and analyzes financial statement information to determine financial capacity of borrowers. Prepares thorough analysis of business and/or personal financial statements and presents facts and is expected to provide personal analytical opinions as appropriate concerning creditworthiness of existing borrowers and prospects.
ESSENTIAL DUTIES AND RESPONSIBILITIES
ESSENTIAL DUTIES AND RESPONSIBILITIES
Interacts directly with relationship managers loan officers and customers/prospects regarding a wide range of loans.
Maintains an assigned/delegate loan portfolio as the primary relationship officer.
Must prepare accurate financial statement spreadsheets and debt service analysis derived from business and personal accurate Credit Authorizations in conjunction with loan officers and presents a complete and thorough analysis financial statements and tax returns.
Prepares of existing and potential borrowers.
Recognize and act on customer prospects; cross sell opportunities with existing customers.
Make proper referral of loan opportunities to lending personnel.
Interacts independently and without direction with customers/prospects to request financial information to complete spreading presentations and other financial analysis.
Reviews loan agreement covenants for verification of the borrowers compliance thereto.
Accurately prepares financial projections as required.
Maintains an accurate up-to-date tracking log of all activity and credit arrangements in process.
Collects industry information relevant to existing and proposed borrowers using internal & external sources.
Consults with relationship manager(s) loan officer(s) the Chief Lending Officer and other Credit Administration officers on credit structure pricing collateral and other credit consideration issues.
Works with clients in regards to past due payments/loan maturities.
Conducts trade and reference checks on customers/prospects.
Reviews documentation to ensure compliance with Bank policy and procedures.
Maintains an assigned/delegate loan portfolio as the primary relationship officer.
Must prepare accurate financial statement spreadsheets and debt service analysis derived from business and personal accurate Credit Authorizations in conjunction with loan officers and presents a complete and thorough analysis financial statements and tax returns.
Prepares of existing and potential borrowers.
Recognize and act on customer prospects; cross sell opportunities with existing customers.
Make proper referral of loan opportunities to lending personnel.
Interacts independently and without direction with customers/prospects to request financial information to complete spreading presentations and other financial analysis.
Reviews loan agreement covenants for verification of the borrowers compliance thereto.
Accurately prepares financial projections as required.
Maintains an accurate up-to-date tracking log of all activity and credit arrangements in process.
Collects industry information relevant to existing and proposed borrowers using internal & external sources.
Consults with relationship manager(s) loan officer(s) the Chief Lending Officer and other Credit Administration officers on credit structure pricing collateral and other credit consideration issues.
Works with clients in regards to past due payments/loan maturities.
Conducts trade and reference checks on customers/prospects.
Reviews documentation to ensure compliance with Bank policy and procedures.
ADDITIONAL RESPONSIBILITIES
Demonstrates high degree of professionalism in communication attitude and teamwork with customers peers and management
Demonstrates high level of quality work attendance and appearance
Adheres to all Company Policies & Procedures and Safety Regulations
Adheres to local state and federal laws
Understands and complies with all company rules and regulations
Attends training and maintains a basic knowledge of procedures to ensure compliance with laws and regulations governing financial institutions as they apply to your position and job responsibilities with an emphasis on the BSA/AML/CIP Consumer Privacy Regulation CC Information Security Bank Protection Act FACT-Identity Theft Information Technology and GLBA.
Additional duties as assigned as it relates to the position
SUPERVISORY RESPONSIBILITIES
This position does not have supervisory responsibilities
MINIMUM QUALIFICATIONS
A Bachelors degree from a four-year college or university; or one to two years related experience and/or training; or equivalent combination of education and experience.
Strong intermediate knowledge of accounting principles tax return analysis and analytical interpretation of balance sheet and income statement analysis and cash flow.
Ability to read analyze and interpret general business periodicals professional journals technical procedures or governmental regulations. Ability to write reports business correspondence and procedure manuals. Ability to effectively present information and respond to questions from groups of managers clients customers and the general public.
Ability to define problems collect data establish facts and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
Strong working knowledge of Microsoft Word and Excel and other financial analysis software programs.
Intermediate working knowledge of loan documentation.
Must be able to handle a strong volume of work flow from various sources.
Ability to maintain confidentiality of all bank and client information.
Strong intermediate knowledge of accounting principles tax return analysis and analytical interpretation of balance sheet and income statement analysis and cash flow.
Ability to read analyze and interpret general business periodicals professional journals technical procedures or governmental regulations. Ability to write reports business correspondence and procedure manuals. Ability to effectively present information and respond to questions from groups of managers clients customers and the general public.
Ability to define problems collect data establish facts and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
Strong working knowledge of Microsoft Word and Excel and other financial analysis software programs.
Intermediate working knowledge of loan documentation.
Must be able to handle a strong volume of work flow from various sources.
Ability to maintain confidentiality of all bank and client information.
COMPETENCIES:
Adaptability
Communication
Decision Making
Initiative
Innovation
Motivator
Organization
Professionalism
Results Orientated
PHYSICAL DEMANDS: In general the following physical demands are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to allow differently-abled individuals to perform the essential functions of the job.
Standing walking and squatting less than fifty percent of the work shift
Required to lift move and carry up to 40 pounds
Ability to read count and write to accurately complete all documentation and reports
Must be able to see hear and speak in order to communicate with employees and other customers
Specific vision abilities include close vision distance vision peripheral vision depth perception and ability to adjust focus
Manual dexterity required using hands to finger; handle feel and type; reach with hands and arms
WORK ENVIRONMENT: In general the following conditions of the work environment are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to allow differently-abled individuals to perform the essential functions of the job within the environment.
The work space is clean orderly properly lighted and ventilated with the proper safety compliance
Noise levels are considered moderate
Required Experience:
Manager
Key Skills
- Project / Program Management
- Project Portfolio Management
- Portfolio Management
- Credit Analysis
- Banking
- Pricing
- Analysis Skills
- Project Management
- Financial Analysis
- Budgeting
- Property Management
- Contracts
About Company
Sunwest Bank is an entrepreneurial business bank built for entrepreneurs by entrepreneurs. Find bank accounts, financing, HSA and more banking services.
