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Maine Community Bank · 1 day ago

Commercial Portfolio Manager

Gorham, ME

Full-time

Hybrid

Mid, Senior Level

5+ years exp

Maine Community Bank is a financial institution focused on commercial banking services. The Commercial Portfolio Manager supports Commercial Banking Officers by managing the growth, risk, and profitability of a commercial loan portfolio, while ensuring compliance with bank policies.

BankingFinancial ServicesPersonal Finance

Responsibilities

Assists in the management of existing commercial relationships by monitoring for risk within the assigned portfolio

Assesses credit quality through the coordinated collection of financial statements, management of matured loans, renewal of existing lines of credit, annual reviews, criticized asset reports and loan covenant testing

Responsible for the ongoing maintenance of the loan tickler system and ensures loan and relationship accuracy across all Bank software to include but not limited to the maintenance of loan risk ratings, annual review coding and reduced credit administration coding

Meets with assigned Commercial Banking Officers on a regular basis to coordinate the completion of current and upcoming tasks in a timely and efficient manner

Analyzes the business credit applicant’s management capacity, financial condition, ability to repay, collateral support and business and industry position and environment to make sound credit decisions in conjunction with the assigned Commercial Banking Officer, consistent with Bank policies and procedures

Prepares loan presentations as needed for Commercial Banking Officer approval, management loan committee and the Board of Directors as required under the Bank’s loan policy, including loan pricing, structure and recommendation of terms

Drafts commitment letters for approved loans

Has a good understanding of financial products and services and identifies opportunities for additional Bank services to existing relationships

Assists in the review of construction loan advances and line of credit advances as requested

Conducts property inspections, orders appraisals and prepares internal real estate evaluations in accordance with Bank policy and procedures

Acts as a point of contact for customers within the assigned portfolio

Coordinates customer calls with the Commercial Banking Officer and attends customer calls on an as requested basis

Actively participates in community organizations and events in the communities that the Bank serves

Performs other duties as assigned

Qualification

Commercial credit underwritingCredit analysisRelationship managementMicrosoft productsCustomer service skillsOrganizational skillsConfidentiality

Required

Bachelor's Degree preferably or five or more years of commercial credit underwriting experience including commercial and industrial and commercial investment real estate borrowers; or an equivalent combination of education and experience

Strong customer service and relationship building skills

Ability to comply with all Bank policies and procedures, including BSA and Information Security policies

Ability to maintain confidentiality and protect the Bank by keeping information concerning Bank operations and customer information confidential

Good organizational skills

Knowledge of Microsoft products and other Bank software