Portfolio Manager

The Portfolio Manager I will ensure early identification of risk in the credit through review of gathered documentation. Analyzes financial statements, industry risks, collateral, credit structure for possible deterioration in the overall credit risk profile of the borrower.

Review loan documents comparing them to the approved CAM to ensure loan documents are executed in accordance with the CAM and loan policy. Assist Portfolio Manager II/III or Supervisor in preparation of CAR/Watch Reports for credits that are risk rated Pass Watch, participate in CAR/Watch meeting(s). Review and make recommendation for resolution of covenant violations or needed modifications/forbearance including oversite and review of necessary documentation. Manage assigned commercial loan portfolio exceptions through customer contact to ensure delivery of financial statements, tax returns and other required financial information under the loan agreement and ongoing servicing of the credit.

Review and ensure documents are uploaded to the document repository and ensure ticklers are appropriately maintained. Monitor and collect delinquent loans in accordance with state and federal laws and regulations.Bachelor's degree in accounting, Finance or Business Administration or equivalent experience.

A minimum of two (2) year of commercial portfolio management or commercial credit underwriting or four (4) year's comparable combination of portfolio management, underwriting, and loan administration experience. . An equivalent combination of education and experience with commercial loans and underwriting may meet qualifications. Microsoft Word, Excel, PowerPoint, Outlook, plus a good understanding of the Internet environment. Excellent planning and time management skills as well as strong interpersonal and communication skills including verbal, written, and presentational skills.

Able to work with all levels of management. Highly organized and detail oriented with the ability to meet and manage critical deadlines and assist with project management. Able to manage multiple tasks and priorities in a high-volume environment.

Take initiative and make independent decisions in the best interest of the Credit Union and Member.Strong knowledge of commercial lending products, credit policy, loan documentation and administration requirements and legal and regulatory guidelines. Able to interpret credit union and regulatory policy and guidelines to prevent issues and errors. Analyze and interpret complex documents, to define problems, collect data, establish facts, and draw valid conclusions.

The ability to empathize and effectively respond to sensitive issues or complaints mitigating potential escalation utilizing independent judgement and initiative in developing appropriate solutions to problems. Possess a thorough knowledge and understanding of federal, state and NCUA regulations as well as commercial loan documentation experience or equivalent experience in a financial industry. Professional appearance, demonstration of poise and tact and a pleasant courteous personality.Security Service Federal Credit Union is an industry leader who has built a reputation of innovation, strength, and stability.

We pride ourselves on discovering and developing employees who have exceptional character and a genuine passion for helping others. In return, we deliver a comprehensive total rewards package that supports the financial, physical, and emotional wellbeing of our employees.All employees should demonstrate our SSFCU core values -- Caring, Innovative, Honest, Fair and Dedicated -- while providing enthusiastic, professional, and courteous service to SSFCU members and employees.SSFCU offers a comprehensive total rewards package. Benefit options include medical, dental and vision insurance; health savings and flexible spending accounts; company paid employee life insurance; supplemental life insurance plans; supplemental insurance plans for hospital and critical accident; short term disability; company paid long term disability; paid sick and safe leave, paid vacation, 401K match with immediate vesting, tuition reimbursement, employee tenure and award programs, access to an on-site fitness center or gym membership reimbursement program.

Employees can participate in our award-winning Total Wellbeing program focusing on physical, financial and emotional wellbeing. We invest in our communities through our Volunteer Corps and in you, through ongoing growth and development opportunities.We are an EEO Employer that provides equal employment opportunities to all qualified applicants without regard to race, sex, sexual orientation, gender identity, national origin, color, age, religion, protected veteran or disability status, or genetic information.