Portfolio Manager

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Portfolio Manager

Summary:

Native American Bank is a unique financial institution that serves as a catalyst for positive change in Native through innovative financial solutions. We are committed to our vision and mission, and value our team as integral contributors to our collective success. We are passionate about making a difference and thrive in a collaborative work environment. The Portfolio Manager provides portfolio management and credit support to Commercial Lenders, including origination, structuring, execution, and monitoring of all transactions. Responsible for working with Commercial Lenders, credit professionals, and loan operations on associated internal credit, research, and financial modeling functions. Supports the achievement of profitability and credit goals for the division through day-to-day management of account relationships.

*This role is only open to candidates currently residing within a 45 miles radius from Denver, CO at this time.

Responsibilities:

Responsible for working with the Commercial Lender and Credit Analysts on associated internal credit, research, and financial modeling functions.

Independently manages the day-to-day activity of an assigned portfolio transactions with a mix of accounts. This includes direct customer communication, as necessary.

Collecting updated borrower financial information in accordance with periodic reporting requirements and completing scheduled loan reviews.

Handles customer questions and concerns related to billing, documentation, and other inquiries.

Assist commercial lenders in managing their client relationships.

Responsible for identifying opportunities within a given portfolio and matching appropriate products or services to fulfill those client needs.

Works with the credit department to ensure appropriate underwriting, credit structure and risk rating in relation to the credit risk Identifies and analyzes risks, and repayment ability.

Evaluates the adequacy of loan structures and collateral positions.

Leads underwriting discussions with Credit Officer and commercial lenders.

Assists Specialized lending on any credit enhancements that may be attached to a credit request to mitigate identified risks.

Keeps the commercial lenders informed of the status of the credit and obtains concurrence for the lender on significant changes to proposed terms and conditions.

Works with special assets on collections of past due loans, foreclosures, troubled debt restructurings, problem loan reports and work outs.

Assists the lender by being identified as the in-bank relationship manager, taking care of requests from them as needed.

May assist the lender by conducting loan closings.

Assists the lender by scheduling, attending, and participating in the lender annual reviews.

Performs other related duties as necessary or assigned.

Qualifications:

Bachelor’s degree or equivalent work experience

Four or more years of banking experience with an emphasis on relationship management and commercial lending

Ability to understand accounting, including financial statement spreads, cash flows, and credit analysis.

Exceptional credit/analytical skills.

Highly developed communication skills including the ability to write clear and concise credit correspondence.

Capability to independently and proactively manage various relationships and effectively manage multiple priorities.

Ability to advocate persuasively.

Ability to learn and multitask efficiently.

Ability to maintain confidentiality of customer and credit information.

At least five years of analyzing, negotiating, and/or structuring loan transactions in a corporate lending environment.

Credit analysis training or experience appropriate for the job requirements.

Excellent written and oral communication skills.

Ability to be a self-starter and demonstrates a strong level of initiative and commitment with a minimum level of supervision.

Physical Requirements:

Prolonged periods of sitting at a desk and working on a computer.

Must be able to lift 15 pounds at times.

Benefits:

Health, Dental, Vision and Life insurance.

Short/Long Term disability

Paid time-off and Volunteer time-off

401(k) plan and matching

Flexible Spending Account

Health Savings Account and contribution

Employee Assistance Program

RTD EcoPass (Denver)

Pet Insurance

Additional Information:

Pass background check prior to hire

This position allows for a hybrid schedule.

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