Job Description
At First Fidelity Bank, we are looking for talented, enthusiastic team members with a passion for service excellence. Our employees are critical to our overall success. We invest in our employees by providing excellent training and development, as well as advancement opportunities. We offer our employees a family environment, great benefits, competitive pay and paid time off for work/life balance. We are dedicated to giving back to the communities we serve, and we encourage our employees to participate in charitable giving and volunteer opportunities. One of our Core Values is to provide a caring place to work where people truly enjoy coming to work each day. Colleagues of First Fidelity Bank take pride in working here, make lasting friendships and have fun!
SUMMARY
The Portfolio Manager is responsible for facilitation and coordination of all functions necessary to ensure retention, and expansion of the existing portfolio of commercial business clients. Responsible for ensuring loans are compliant with federal regulations and bank policy while mitigating risk and adhering the Bank’s customer service requirements. Gathers, compiles and evaluates information and makes recommendations to his Team Lead prior to final approvals. Must have a thorough knowledge of all Bank’s Deposit and Treasury Management Products and Services as well as all other services offered to commercial clients.
PRIMARY DUTIES/RESPONSIBILITIES:
This list includes the current primary responsibilities of this position. It is not intended to be all-inclusive and is subject to change, as needed, for the purpose of operational efficiency.
Manages the loan portfolio, including preparation of annual loan reviews, quarterly asset quality review and other related loan management documents.
Communicate the requirements necessary to originate, approve, and close commercial and real estate loans with all related parties including, applicants, mortgage brokers, attorneys, accountants title companies etc. General Knowledge of all policies procedures, laws, and regulations affecting commercial lending.
Responsible for submitting and presenting Credit Memorandums and other related documents to the appropriate Loan Committee or designee for credit needs of the existing portfolio customers.
Performing site inspection preparing loan reviews, asset quality reviews, special handling request, and other loan management documents.
Tracks and facilitates removal of loan exceptions and ticklers.
Works proactively to resolve any loan delinquencies in the portfolio.
Receives and reviews due diligence submission items and processes for closing.
Evaluates environmental, zoning, property condition reports and flood determinations post- closing.
Reviews all third-party property inspections.
Orders bankruptcy and litigation searches on new or existing borrowers and guarantors.
Reviews and verifies property insurance on new and existing loans to ensure compliance with the Bank’s lending policy prior to loan closing.
Analyzes annual taxes and property insurance.
Ensures loans comply with policies, guidelines and standards of the commercial and commercial real estate departments, First Fidelity Bank and federal regulations.
Reviews all closed loan documents for accuracy and compliance. Communicates any post-closing exceptions to borrower, title company or mortgage loan broker.
Determines closing requirements and serves as liaison between legal counsel, insurance agencies, county tax and assessor officers, internal compliance officer, internal accounting, loan officer and loan operations regarding all aspects of the loan closing process.
Reports to senior management on all loan originations and loan extensions.
QUALIFICATIONS
EXPERIENCE REQUIREMENTS:
Fifteen years professional work experience, including 10 years of bank-related real estate loan management experience preferred.
Previous experience required in credit analysis, loan portfolio management, loan review and special assets. Experience should demonstrate proven ability to understand and analyze financial statements and tax returns as well as understand complex financial and real estate-based compliance regulations.
EDUCATION REQUIREMENTS:
Bachelor’s degree required; preferably in Finance, Accounting, or Economics; or commensurate level of combined work experience and education in commercial lending, real estate lending, law, credit administration or similar capacity.
OTHER REQUIREMENTS (SKILLS, ABILITIES, CHARACTERISTICS):
Represents the bank and oneself in a positive, courteous, friendly, and professional manner.
Must be able to work outside of normal business hours.
Excellent communication skills, including the ability to listen attentively and intuitively, with high comprehension and effectively convey a response that promotes a positive impression.
Excellent time management and organizational skills and the ability to work independently with little supervision.
Proficient computer skills, particularly Microsoft Office Tools (Excel, Word).
Ability and willingness to make sound judgments, with little hesitation and after thorough consideration of relevant data.
Strong analytical skills and the ability to interpret financial information and data.
ADDITIONAL INFORMATION
SUPERVISORY RESPONSIBILITY: None
WORKING CONDITIONS: Must be able to work within a routine office environment.
AA/EOE M/F/D/V MEMBER FDIC
SUMMARY
The Portfolio Manager is responsible for facilitation and coordination of all functions necessary to ensure retention, and expansion of the existing portfolio of commercial business clients. Responsible for ensuring loans are compliant with federal regulations and bank policy while mitigating risk and adhering the Bank’s customer service requirements. Gathers, compiles and evaluates information and makes recommendations to his Team Lead prior to final approvals. Must have a thorough knowledge of all Bank’s Deposit and Treasury Management Products and Services as well as all other services offered to commercial clients.
PRIMARY DUTIES/RESPONSIBILITIES:
This list includes the current primary responsibilities of this position. It is not intended to be all-inclusive and is subject to change, as needed, for the purpose of operational efficiency.
Manages the loan portfolio, including preparation of annual loan reviews, quarterly asset quality review and other related loan management documents.
Communicate the requirements necessary to originate, approve, and close commercial and real estate loans with all related parties including, applicants, mortgage brokers, attorneys, accountants title companies etc. General Knowledge of all policies procedures, laws, and regulations affecting commercial lending.
Responsible for submitting and presenting Credit Memorandums and other related documents to the appropriate Loan Committee or designee for credit needs of the existing portfolio customers.
Performing site inspection preparing loan reviews, asset quality reviews, special handling request, and other loan management documents.
Tracks and facilitates removal of loan exceptions and ticklers.
Works proactively to resolve any loan delinquencies in the portfolio.
Receives and reviews due diligence submission items and processes for closing.
Evaluates environmental, zoning, property condition reports and flood determinations post- closing.
Reviews all third-party property inspections.
Orders bankruptcy and litigation searches on new or existing borrowers and guarantors.
Reviews and verifies property insurance on new and existing loans to ensure compliance with the Bank’s lending policy prior to loan closing.
Analyzes annual taxes and property insurance.
Ensures loans comply with policies, guidelines and standards of the commercial and commercial real estate departments, First Fidelity Bank and federal regulations.
Reviews all closed loan documents for accuracy and compliance. Communicates any post-closing exceptions to borrower, title company or mortgage loan broker.
Determines closing requirements and serves as liaison between legal counsel, insurance agencies, county tax and assessor officers, internal compliance officer, internal accounting, loan officer and loan operations regarding all aspects of the loan closing process.
Reports to senior management on all loan originations and loan extensions.
QUALIFICATIONS
EXPERIENCE REQUIREMENTS:
Fifteen years professional work experience, including 10 years of bank-related real estate loan management experience preferred.
Previous experience required in credit analysis, loan portfolio management, loan review and special assets. Experience should demonstrate proven ability to understand and analyze financial statements and tax returns as well as understand complex financial and real estate-based compliance regulations.
EDUCATION REQUIREMENTS:
Bachelor’s degree required; preferably in Finance, Accounting, or Economics; or commensurate level of combined work experience and education in commercial lending, real estate lending, law, credit administration or similar capacity.
OTHER REQUIREMENTS (SKILLS, ABILITIES, CHARACTERISTICS):
Represents the bank and oneself in a positive, courteous, friendly, and professional manner.
Must be able to work outside of normal business hours.
Excellent communication skills, including the ability to listen attentively and intuitively, with high comprehension and effectively convey a response that promotes a positive impression.
Excellent time management and organizational skills and the ability to work independently with little supervision.
Proficient computer skills, particularly Microsoft Office Tools (Excel, Word).
Ability and willingness to make sound judgments, with little hesitation and after thorough consideration of relevant data.
Strong analytical skills and the ability to interpret financial information and data.
ADDITIONAL INFORMATION
SUPERVISORY RESPONSIBILITY: None
WORKING CONDITIONS: Must be able to work within a routine office environment.
AA/EOE M/F/D/V MEMBER FDIC
💡 Quick Summary
Seeking a career-building opportunity? The Commercial Lending Portfolio Manager position is now open for candidates interested in the Back Office Jobs sector. This role in Mesa offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Back Office Jobs is a plus.
