The Portfolio Manager position is responsible for prudent underwriting and effective credit and risk administration with particular emphasis on adherence to credit policy and requirements, financial analysis/modeling, risk evaluation, on-going portfolio maintenance activities, and client support for an assigned portfolio of existing credits and prospects primarily of moderate to medium complexity, with some having higher complexity.
Ensure the overall portfolio performance and asset quality remains strong and when necessary surfaces issues, proposes and collaborates with others on strategies and actions to limit risk and loss to the Bank.
Monitor the performance of existing borrowers within assigned portfolio and ensure compliance with financial covenants.
Assist the Relationship Manager in structuring more advanced credit transactions, developing proposal letters, TOSs, term sheets and commitment letters. They will take the lead on the internal credit process for obtaining approvals of credit proposals.
Ensures loan agreement is in accordance with approval documents. Identifies potential issues contained within loan documentation and takes steps to address the issues, in consultation with RM. Key voice with the interaction of the client in closing transactions
Manages compliance and control routines related to the credits contained in the assigned portfolio
Independently applies the conditions of credit decision to the different types of credits contained within the portfolio to ensure that all monitoring and tracking requirements are met and that all documentation is up-to-date per policy
Citizens Financial Group, Inc.