Portfolio Banker

Job Summary

The Portfolio Banker works closely with Relationship Managers and Regional Relationship Managers to evaluate the financial information and needs of prospective and existing borrowers.  The Portfolio Banker is responsible for the gathering and analyzing credit information, for conducting extensive in-depth company, financial, and industry analysis, and performing due diligence to evaluate risk/return parameters of financing transactions as well as preparing Loan Worksheet Addendums and Speed Memo Addendums.  The Portfolio Banker regularly interfaces with Clients, Relationship Managers, Regional Relationship Managers, Credit Administrators and Senior Management, and provides recommendations relating to credit extension decisions.  Post loan boarding duties include following for financial reporting and financial covenant compliance and monitoring financial trends of borrowers and value of collateral.  The Portfolio Banker is usually designated as the secondary point of contact for specific relationships and is to provide exemplary service to ensure customer satisfaction.

Essential Duties

• Analyze credit data, financial statements and pertinent information for credit worthiness to determine the degree of risk involved in extending credit
• Spread financial statements and Federal income tax returns on CASH Insight of borrowers and guarantors
• Analyze financial data such as revenue growth, profitability, cash flow, quality of management, and industry market share to determine expected repayment of loan
• Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations
• Prepares and presents credit reports to appropriate senior staff or committees for use in the making of lending decisions on new, renewal and extension loans
• Monitor credit risk by periodically evaluating financial trends, credit bureau reports, pay habits, and other sources of information of the borrower and guarantor(s)

• • Ensure compliance with bank policy, regulatory requirements and credit worthiness by reviewing and updating all pertinent credit loan file information, and adherence to all loan agreements requirements including following for required financial reports and compliance with financial covenants