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FirstBank · 1 day ago

Portfolio Manager

Huntsville, AL

Full-time

Onsite

Senior Level

FirstBank is seeking a Senior Portfolio Manager who demonstrates advanced proficiency in supporting Relationship Managers' sales efforts through the growth and management of loan portfolios. The role involves assessing risk, managing client relationships, and performing financial and credit analysis to drive profitability.

BankingFinanceFinancial Services

Responsibilities

Apply an advanced level of credit knowledge, serving as a resource for the RM team and market as a whole

Effectively use negotiation skills with a strong focus on the sales process, operating as a bridge between Sales and Credit

Review documents for pre- and post-closing including the submission of pre-requisite and recurring credit source documentation to the bank’s imaging system

Prepare, review, and monitor reports to ensure FirstBank guidelines for compliance and credit monitoring are being met

Analyze complex credit requests and perform financial statement analysis utilizing the bank’s standardized analysis tools

Prepare, review, and monitor reports analyzing loan commitments and outstanding balances by customer, loan type, property type, location, size, etc., responsible for report preparation for board approval

Partner with market leadership, Regional Presidents, and Regional Credit Officers in support of the RMs to promote client portfolio growth and strong asset quality

Monitor past due information and future maturities, alerting the RMs as needed

Perform the analysis of key financial metrics for input in commercial loan risk rating matrices to ensure accurate stratification of the bank’s commercial loan grading portfolio

Demonstrate an advanced understanding of financial spreads, modeling, and monitoring

Perform research to maintain current knowledge of industry trends and changes, ensuring the PM team remains compliant with both FirstBank and industry standards

May lead others and use advanced portfolio management skills to develop the skill set of the PM team

Attend internal and client meetings independently representing the PM and/or RM teams as needed

Function as part of the RM team as a capable secondary point of contact for commercial clients

Model consistent, distinctive service to all customers when delivering the FirstBank service experience

Practice safe and sound bank procedures, including adherence to applicable laws and regulations, internal controls, operational procedures, risk management policies, and security protocols

Provide independent analysis of credit requests and provide an effective challenge in loan approval and grading

Ensure source documentation and credit analysis are accurate and supported

Regular and reliable attendance

Perform other duties as assigned

Qualification

Banking portfolio managementCredit analysisFinancial statement analysisLoan structures knowledgeEthical behaviorVerbal communicationWritten communicationTime managementOrganizational skills

Required

Experience in banking portfolio management required; possess extensive knowledge of various loan structures and have the ability to apply this knowledge in the formulation of sound credit recommendations

Strong verbal and written communications; one-on-one and in team environments

Ability to identify strengths and weaknesses of individual requests and make recommendations to address and mitigate perceived risks

Ability to allocate time effectively and independently to prioritize timelines

Strong personal organizational and time management skills

Ability to demonstrate the highest level of ethical behavior and confidentiality and maintain confidentiality with sensitive information