Commercial Portfolio Loan Officer III

Job description

Commercial Portfolio Loan Officer III

The Commercial Portfolio Loan Officer III administers and monitors portfolio of Commercial loans, personally managing or assisting lenders in managing loan relationships within the group.

Department Overview: The Commercial Portfolio Loan Officer III provides underwriting, credit risk oversight, and portfolio management for complex commercial lending relationships, primarily concentrated in Special Mention and Classified-rated borrowers. The role evaluates borrower performance and credit risk to support sound credit decisions, risk mitigation strategies, and the protection of the Bank's asset quality.

Depth & Scope:

Administers and monitors large portfolio of large, complex commercial loans

Personally manages loan relationships with in the group

Ensures accuracy and maintenance of Customer records and files and updates information as needed. Prepares more in-depth management reports summarizing portfolio activity

Pays specific attention to credit administration, exception and risk management based on common metrics

Administers existing loans to ensure complete conformity with terms and adequacy of documentation, including preparation of criticized asset reports and review memos; coordinates with operations and processing areas to ensure loan payments are collected and recorded

Maintains current risk rating on Customers and makes appropriate comments in Customer credit files to ensure information remains current

Accompanies loan officers during sales calls to assist with account details and implementation

Provides technical guidance and assists staff with most complex aspects of work as necessary

May provide training and mentoring for new and less experienced staff

Coordinates with credit department and performs more in-depth financial analyses and credit investigations to make credit decisions on line extensions and other loans

Contributes and provides input to group loan decision processes based on evaluation of credit risk and other key factors

Visits Customers independently and with commercial loan officers to maintain strong business relationships

Is assigned own accounts and/or share account management responsibilities with commercial loan officers

Performs periodic inspections at Customer sites to audit accounts and ensure adherence to loan agreements and terms

Administers existing loans to ensure complete conformity with terms and adequacy of documentation, including preparation of criticized asset reports and review memos; coordinates with operations and processing areas to ensure loan payments are collected and recorded

Utilizes limited personal credit authority under the direction of the Relationship Manager, for the benefit of Customers and efficiency of the lending process

Education & Experience:

4 year degree or equivalent experience

5+ years related experience

In-depth understanding of commercial credit decision process

Demonstrates credit, financial analysis and accounting skills

In-depth knowledge of commercial legal and regulatory guidelines

Proven Customer service and relationship management skills, including demonstrated track record of building and expanding Customer relationships

Demonstrates attention to detail

Supervisory skills

Demonstrated communication skills, both verbal and written

Proficient PC skills

Physical Requirements: Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%

Domestic Travel – Occasional

International Travel – Never

Performing sedentary work – Continuous

Performing multiple tasks – Continuous

Operating standard office equipment - Continuous

Responding quickly to sounds – Occasional

Sitting – Continuous

Standing – Occasional

Walking – Occasional

Moving safely in confined spaces – Occasional

Lifting/Carrying (under 25 lbs.) – Occasional

Lifting/Carrying (over 25 lbs.) – Never

Squatting – Occasional

Bending – Occasional

Kneeling – Never

Crawling – Never

Climbing – Never

Reaching overhead – Never

Reaching forward – Occasional

Pushing – Never

Pulling – Never

Twisting – Never

Concentrating for long periods of time – Continuous

Applying common sense to deal with problems involving standardized situations – Continuous

Reading, writing and comprehending instructions – Continuous

Adding, subtracting, multiplying and dividing – Continuous

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

Worksite address

greenville, SC, 29610, US

Who can apply

Review the original listing for work authorization, qualifications and employer requirements.