Job Information
Independent Bank Group Portfolio Manager II - Denver, CO in Denver, Colorado
The principal functions of the Portfolio Manager are to (1) continuously monitor and assess the credit profiles of the customers in her/his assigned portfolio; (2) help retain customer relationships by providing exceptional service; (3) assist with routine issues such as overdrafts, wires, new account openings, etc.; (4) ensure that renewals, extensions and annual reviews are completed in a timely manner; (5) seek ways to enhance customer profitability by continuously looking for cross-sell opportunities; 6) replace runoff and amortization in the portfolio by selling deeper into the book of business and 7) continuously seek referral opportunities from current customers and centers of influence.
Responsibilities:
Portfolio Management
Manages moderately large relationships (credits, deposits, and fee based products/services) that require more complex analysis
Performs or initiates account/loan maintenance as required
Acts as liaison for customer inquiries, issues account instructions; redirects questions and requests as necessary if issues relate to other departments
Ensures accuracy of information, data, and documentation for all portfolio accounts
Actively participates in customer meetings to further the relationship and expand business opportunities
Credit Management
For new and renewing loan requests, determines borrower credit-worthiness in accordance with credit policy and manages the request through the appropriate underwriting and closing processes
Ensures that loan transactions are properly documented
Conducts continuous review and administration of loans
Manages enterprise risk for products and services, including depository services and Treasury Management products
Reports credit risk issues in a timely manner
Business Development
Proactively reviews existing relationships for product penetration and calls on opportunities (loans, deposits, fees and non-credit products and services); issue proposals as appropriate
Identifies and refers business opportunities to internal product partners and other target market business lines
Increasingly seeks out referrals from existing customers and COI's
Qualifications:
Education Requirements
Bachelor's Degree
Minimum Experience
Minimum of 3 years of experience in commercial lending as a credit analyst, underwriting specialist, portfolio manager, or relationship manager with exposure to complex customers such as C&I and/ CRE transactions
Knowledge/ Skills/ Abilities
Solid knowledge of financial lending regulations
Strong knowledge of credit philosophy and policies as well as loan documentation
Strong verbal, written, and interpersonal skills, as well as analytic and problem solving skills
Intermediate knowledge of Microsoft Word, Excel, PowerPoint, Access, and Outlook (e.g. create templates, complete mail merges, insert and edit charts, create basic formulas, create queries)
Job Details:Regular
In accordance with Colorado law: Colorado pay for this position is anticipated to be between $73,000.00 - $133,000.00 annually, actual offers to be determined based on applicant's skills, experience and education.
While the anticipated deadline for the job posting is 05-04-2024, we encourage you to submit your application as we may still consider qualified candidates beyond this date.
To all recruitment agencies: Independent Financial does not accept agency resumes without formal engagement of the agency. Please do not forward resumes toIndependent Financial employees or any other organization location. Independent Financial is not responsible for any fees related to unsolicited resumes.
Independent Financial is proud to be an equal opportunity workplace and is an affirmative action employer. We are committed to equal employment opportunity