COMMERCIAL PORTFOLIO MANAGER COVER LETTER TEMPLATE

• Maintain timely renewals of loan maturities for the assigned lending team.
• Under the direction and review of the Commercial Credit Officer, Lending Center Manager, and/or Regional Manager
• Be responsible for evaluating and making decision recommendations, including evaluating obligor risk ratings on both new and existing relationships ensuring quality and soundness for credit transactions.
• Manages approval and commitment process (e.g.Senior Loan Approval Committee) ensuring compliance with Credit Policy and accuracy of documents and supporting exhibits
• Continuously monitors current loans and credit lines to ensure compliance with terms and proactively manages risk/exposure and compliance with Credit Policy for assigned portfolio.
• Covenant Compliance: Monitoring, testing, preparation of waivers, and Reservation of Rights letters
• Facilitate borrower financial reporting submissions to the Bank.
• Responsible for evaluating the financial performance of borrowers and based on a variety of factors determining an appropriate risk rating.
• Identifies early client risk/exposure, and early detection of volatile industries and markets for assigned portfolios within designated regions.
• Ensure the timely completion of credit file updates and collaborate in coordinating pre-closing activities.
• Proactively manages credit risk and exposure for an assigned portfolio

Skills: Credit Risk Management, Loan Portfolio Management, Risk Assessment, Compliance Monitoring, Financial Analysis, Decision-Making, Attention to Detail, Communication Skills

• Assist the loan officers with the loan approval process by obtaining and analyzing financials, and preparing loan summaries and packages for approval.
• Attend outside prospect and member meetings
• Monitor the maturing loan report and assist the loan officer and administrative officer in underwriting loans for renewal, including requesting necessary financial information and completing LCAs for temporary extensions.
• Manage LO’s Past Dues including adding comments to Insight.
• Input both new loans and renewals to B2B.
• Complete quarterly Problem Asset Reports for the loan officer’s portfolio for review and approval and assist with managing credit monitoring items and Priority 1 exceptions.
• Learn about each of the Bank’s products and services as well as affiliate companies to look for additional cross-selling opportunities 
• Assist the loan officer and administrative officer
• Work on special projects as requested to help improve efficiencies in the overall loan portfolio management of the region.
• Work along with and independently of the officers to understand closing requirements for all loans as well as help clear exceptions
• Proactively build strong and effective partnerships with all business partners.
• Obeys all applicable federal laws, rules, and regulations relating to Anti-Money Laundering (AML) including the Bank Secrecy Act (BSA).

Skills: Financial Analysis, Loan Processing, Credit Monitoring, Data Entry, Cross-Selling, Regulatory Compliance, Communication Skills, Team Collaboration

• Responsible for portfolio management of Commercial Banking relationships 
• Achieve efficiencies and quality of the process and product, retention and expansion of existing client relationships, growth of total client assets, and net growth in relationships.
• Analyze financial data to determine the merits of loan requests, recommend structure, as well as identify cross-selling/referring opportunities of other deposit services.
• Maintain and build loan portfolio and deposit balances, generate fee income, and make referrals within the Bank.
• Underwrite requests for credit extensions to existing commercial members
• Draft Loan Documentation and review with external legal counsel
• Complete loan closings utilizing proper procedures, loan documentation, review, and titling.
• Develop relationships with members in loan portfolios seeking new lending and deposit opportunities.
• Accompany the commercial lender on prospect/member calls
• Research and identify market trends and risks to assist commercial lenders in maintaining a high-quality loan portfolio.
• Perform detailed financial analysis for Commercial Real Estate and, on occasion, personal lending opportunities.
• Respond timely and accurately to commercial member servicing requests
• Prepare quarterly problem loan reports 

Skills: Portfolio Management, Client Relationship Building, Financial Analysis, Credit Underwriting, Loan Documentation, Market Research, Communication Skills, Cross-Selling Opportunities

• Ensure the timely spreading of interim and annual financial statements provided by members.
• Prepare the following for presentation to the Business Loan Review Committee:
• Assist with annual covenant reviews
• Maintain full knowledge of all available credit union products and services.
• Cross-sell and make referrals to other credit union departments including personal deposits, consumer loans, home mortgages, and investment services.
• Continuing education and networking throughout the year to gather knowledge of changing industry trends
• Participate in community activities and civic organizations to increase Wings Financial's community involvement visibility.
• Comply with Bank Secrecy Act/Anti-Money Laundering/CIP procedures and policies.
• Provide members with courteous, friendly service, that exceeds expectations while processing transactions promptly, efficiently, and accurately.
• Represent the credit union to members in a professional manner through written and verbal communication, attitude, business attire, work area, and thorough knowledge of the products and services.
• Meet individual quality service goals as identified in your performance action plan.
• Be an effective team member through cooperation, flexibility, dependability, attendance, lack of tardiness and participation at meetings and training.
• Accurately apply technical job knowledge and skills to complete all work promptly by policies, procedures, and regulatory requirements while managing varying degrees of work.

Skills: Financial Analysis, Credit Evaluation, Product Knowledge, Customer Service, Compliance Management, Communication Skills, Team Collaboration, Industry Networking

• Support the delivery of revenue and EBITDA targets for UK&I Commercial portfolios
• Lead initiatives that interrogate activities concerning EBITDA
• Support the delivery of product pipeline targets by leading the commercial business case preparation – flagging variance and ensuring consistency across functions
• Analyze and report commercial management of sales channels & product strategies
• Oversee the creation and distribution of regular metrics/reports (Key Performance Indicators) to business stakeholders
• Support the financial operating expenditure budget
• Interrogate profit share arrangements and hold commercial responsibility for Supply and licensing agreements.
• Conveniently situated in an easily accessible residential area in the center of Accrington, the home offers a supportive and safe environment.
• Ensures the effective and efficient planning and delivery of all aspects of food preparation and cooking, taking account of the dietary and nutritional requirements of residents within the home.
• Actively involved in the preparation, cooking, and serving of food and beverages as well as supervising the work of catering support staff
• Ensuring operational standards comply with the company’s policies and guidelines and statutory regulations.
• Ensures that stock ordering and rotation are organized efficiently and cost-effectively.
• Helps develop varied and interesting menus that take account of healthy eating guidelines and any dietary requirements of the residents within the home.

Skills: Financial Analysis, Budget Management, Strategic Planning, KPI Reporting, Commercial Negotiation, Product Pipeline Management, Compliance Management, Team Leadership

• Have credit analysis and/or loan review experience in Commercial Banking.
• Advanced analytical skills, critical thinking and verbal and written communication skills.
• Professional presence (client-facing).
• Experience managing an advanced commercial client portfolio with some degree of complexity.
• Ability to partner with all deal stakeholders including clients, relationship managers and credit teams.
• Expertise in financial and risk analysis, including financial modeling.
• Demonstrated expertise in using effective problem-solving.
• Proficient with technology and ability to learn new applications.
• Willingness to travel and work a flexible schedule to meet customer needs
• Demonstrated ability to work with a high degree of accuracy and detail
• Strong math skills and ability to organize and analyze complex financial data

Qualifications: BA in Financial Management with 6 years of Experience

• Experience in credit-associated lending 
• Advanced knowledge of commercial and/or related lending
• Deep knowledge of credit analysis, spreading and analyzing financial statements, credit scoring, loan documentation, etc.
• Experience with bank loan and deposit systems preferred:
• Excellent writing and verbal communication skills and confidence in working with internal and external senior-level individuals.
• Advanced level expertise with MS Office – most particularly with Excel.
• Excellent analytical capability and knowledge of credit principles.
• Highly motivated, detail-oriented self-starter.
• Excellent communication and organization skills.
• Ability to interact with external and internal personnel using tact and diplomacy.
• Ability to work under critical time constraints.

Qualifications: BA in Economics with 7 years of Experience

• Banking experience or equivalence
• Experience in Management Development Program
• Experience in Relationship Manager, Credit Analysis, Retail Banking
• Basic knowledge of the financial services industry
• Knowledge of Commercial Lending and the bank’s financial products and services
• Experience with Commercial lending risk analysis
• Well-developed understanding of lending and credit approval process as well as pertinent bank policies and external regulations
• Detailed knowledge of credit analysis practice and procedure
• Familiarity with products and services offered by financial services institutions
• Time management/organization and effective analytical skills 
• Computer skills to include word processing and spreadsheet application
• Effective oral and written communication skills

Qualifications: BA in Accounting with 4 years of Experience

• Experience in Commercial Property Management or Property Accounting
• Mini storage management experience 
• Must possess strong project accounting skills, including budget development, ongoing project cost monitoring and large money contract management
• Must possess an excellent customer service attitude with the ability to collaborate, communicate and interact with various management levels within the organization
• Strong computer skills (MS Suite office of programs including Word and Excel), Yardi or Domico
• Related experience or equivalent.
• Ability to read, analyze, and interpret financial statements and income tax returns to develop financial ratios with the ability to determine financial trends.
• Commitment to quality results and excellent written and oral communication skills
• Strong organizational, problem-solving, and analytical skills
• Ability to manage priorities and workflow

Qualifications: BA in Business Administration with 6 years of Experience

• Experience in commercial property management, responsible for multiple properties
• Strong knowledge of finance, building management, systems, and operations
• Knowledge in all aspects of business including leasing and construction management.
• Must be organized, dependable, cooperative, and able to multi-task
• Ability to exercise initiative and problem-solving skills
• Excellent verbal, written, and interpersonal communication skills 
• Ability to maintain a professional demeanor under pressure and while handling unexpected situations
• RPA or CPM designation
• YARDI and Excel software experience
• Versatility, flexibility, and a willingness to work within constantly changing priorities with enthusiasm
• Proven track record working as a member of a close-knit team with shared responsibilities.

Qualifications: BA in Finance with 7 years of Experience