VP, Portfolio Manager, CPF

Happy State Bank - a division of Centennial Bank • Dallas, TX • 2h ago

The VP, Portfolio Manager is responsible for day-to-day management of a defined set of commercial real estate loans, including surveillance, management and reporting. This position is responsible for gathering and review of asset and borrower financial statements, inspection of assets, review of third party reports, resolution or steering of post-closing credit related issues or borrower requests and reporting to management. A key function of the Portfolio Manager is to identify, monitor and report on potential occurring or actual occurring changes which materially affect lending outcomes.

ESSENTIAL DUTIES AND RESPONSIBILITIES

Provide day-to-day surveillance, management and reporting on individual loans. This duty is performed daily, about 25% of the time.

Gathers and analyzes relevant financial statements, rent rolls and asset operating statements. This duty is performed daily, about 15% of the time.

Preparation of Asset Summary Reports (ASRs).

Collect relevant market events and data.

Enforce tracking compliance with loan covenants and, in connection with construction loans, budget and completion report reviews for individual construction loans.

Identify, track and manage key factors which influence or determine credit outcomes for the Bank.

Completes required BSA/AML and other required compliance training as assigned. This duty is performed as needed.

The ability to work in a constant state of alertness and in a safe manner.

Perform any other related duties as required or assigned.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

EDUCATION AND EXPERIENCE

Broad knowledge of such fields as accounting, marketing, business administration, finance, etc. Equivalent to a four year college degree, plus 2 years related experience and/or training, and 2 years related management experience, or equivalent combination of education and experience.

COMMUNICATION SKILLS

Ability to write reports, business correspondence, and policy/procedure manuals; ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

MATHEMATICAL SKILLS

Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts such as fractions, ratios, and proportions to practical situations.

CRITICAL THINKING SKILLS

Ability to solve practical problems and deal with a variety of known variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, or diagram formats.

REQUIRED CERTIFICATES, LICENSES, REGISTRATIONS

Not indicated.

PREFERRED CERTIFICATES, LICENSES, REGISTRATIONS

Not indicated.

SOFTWARE SKILLS REQUIRED

Intermediate: Database, Spreadsheet

Basic: Accounting, Alphanumeric Data Entry, Presentation/PowerPoint, Word Processing/Typing

WORKING CONDITIONS

Normal working conditions as found within an office setting, wherein there is controlled temperature and a low noise level, plus a minimum of distractions.

ENVIRONMENTAL CONDITIONS

The following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.

PHYSICAL ACTIVITIES

The following physical activities described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions and expectations.

High diversity, low physical. Work activities which allow for considerable amount of diversity as an incumbent performs a variety of tasks. Such tasks might be performed from a given work area, or the individual may move about physically in performing a variety of duties.

While performing the functions of this job, the employee is regularly required to stand, walk, sit, use hands to finger, handle, or feel, talk or hear; occasionally required to reach with hands and arms, climb or balance, stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision; and color vision.

ADDITIONAL INFORMATION

Attention to detail

Demonstrated ability to coordinate multiple activity streams within tight timelines

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