Job Description for Client Portfolio Manager:
In overseeing risk evaluation and management of the Bank's loan portfolio, the Client Portfolio Manager conducts analysis, supervises credit operations, and is accountable for yearly assessments, renewals, monitoring loan covenant compliance, and handling financial collections for designated loan portfolios. Collaborates with Relationship Managers to promote the expansion and profitability of a high-quality loan portfolio.
Responsibilities for Client Portfolio Manager:
- Review key information to evaluate the risk rating and to determine whether a prospect or existing credit is a favorable risk.
- Monitor fluctuations in credit risks among customers and in the portfolio, and communicate any alterations in risk patterns to management.
- Work hand-in-hand with Relationship Managers to engage with clients and gain insights into their distinct needs and preferences during meetings.
- Acquire the requisite financial information to conduct accurate risk assessment and thorough underwriting analysis.
- Fielding client questions and ensuring the precision of information pertinent to loan underwriting.
- Review the international cash circulation for commercial and individual clients, borrowers, and those offering guarantees.
- Craft financial spreadsheets, credit presentations, narratives, relationship summaries, and loan pricing models to present essential information.
- Aid in the formulation of rates and terms for new loan arrangements and renewals.
- Facilitate the process of finalizing loans and making bookings.
- Monitor changes in the industry landscape and evaluate data relevant to the industry to recognize potential risks.
- Dispatch renewal notifications at regular 4-month intervals and carry out assessments to verify compliance with loan terms and conduct yearly reviews.
- Adhere to all necessary regulatory guidelines and complete mandatory training programs.
- Fulfill any other responsibilities as designated.
Qualifications for Client Portfolio Manager:
- Bachelor's degree completion in business, finance, accounting, or a related discipline.
- A minimum of two years of relevant experience is necessary, with a preference for candidates with two to four years of experience.
- Mastery in utilizing analytical tools for comprehensive credit underwriting.
- Committed to objectives and proficient in overcoming challenges.
- Demonstrates excellence in building relationships and displaying strong interpersonal abilities.
- Showing mastery in grammar, typing, and spelling competence.
- Proficient in coordinating schedules and managing time effectively.
- Fluent in Microsoft Office applications including Word, Excel, PowerPoint, and Outlook.
Benefits of Client Portfolio Manager:
- Employees are offered health benefits that include wellness rewards, dental care, and vision insurance.
- A Health Savings Account (HSA) paired with an employer contribution.
- Maternity and parental leave policies are in place to support employees who are starting or expanding their families by providing them with the necessary time to bond with their children.
- Tuition reimbursement.
- Mentor program.
- A company-sponsored 401(k) plan with a 6% employer match.