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Commercial Portfolio Manager
Simmons First National Corporation
Jackson, TN, United States
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Overview
Position Summary
Commercial Portfolio Manager supports the portfolio growth of assigned loan officer(s) by managing clients through the various stages of the lending process. Provides ongoing monitoring of assigned portfolios to ensure asset quality and customer service standards are met. The Commercial Portfolio Manager allows the assigned loan officers to dedicate more time to sales efforts and business development. Key responsibilities of the position include screening, structuring, underwriting, and monitoring commercial relationships while adhering to the standards and policies set by the bank.
Essential Duties and Responsibilities
• Performs initial screening and underwriting of new lending opportunities developed by the commercial lender.
• Prepares memorandum and facilitates the initial underwriting of new transactions and/or renewals.
• Works directly with other internal departments including commercial credit analysts, appraisal services group and loan administration.
• Ensures adherence to credit policy, guidelines and regulatory requirements.
• Assists in the lending and sales process by accompanying the lenders on customer and prospect calls when necessary.
• Responsible for ongoing portfolio review of past dues, exceptions and maturing loan reports.
• Reports past dues to officer or makes contact to collect payment
• Works with officer to collect items needed for renewal processing
• Makes appropriate recommendations for these accounts
• Reports deteriorating credit situations to officer
• Ensures funding of construction loan disbursements in accordance with bank policy. Works closely with borrower, title companies and other third parties to ensure accurate disbursements with ongoing monitoring and record keeping.
• Participates in evaluating risk rating and makes revision recommendations.
• Ensures all departmental documents and activities are performed in compliance with applicable laws, regulations, policies and procedures as applicable to this position, including completion of required compliance training.
• Performs other duties and responsibilities as assigned.
Qualifications
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required
Skills
• Ability to read and interpret documents such as procedure manuals, general business correspondence and/or journals or government regulations
• Ability to read, analyze and interpret financial report and/or legal documents.
• Ability to write routine reports and business correspondence
• Ability to respond in writing to customer complaints, regulatory agencies or members of the business community
• Ability to effectively present information in one-on-one and small group situations, to customers, clients and other employees in the organization
• Ability to effectively present information and respond to questions from groups of managers, clients, customers and the general public and/or boards of directors
Education and/or Experience
• BS/BA Degree in applicable field of study or
• 1-2 years’ prior applicable experience
Computer Skills
MS Office programs
Other
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Activities, duties and responsibilities may change at any time with or without notice.
Skills Training:
• Communication, Critical Thinking, Problem Solving,
• Time Management, Sales, Presentation Skills
Are we describing you? If so, let’s talk!
About Simmons Bank
For over 110 years, we’ve been dedicated to helping people and businesses achieve their financial goals. Today, Simmons Bank has approximately $14 billion in assets along with over 2,500 associates located in communities throughout Arkansas, Colorado, Kansas, Missouri, Oklahoma, Tennessee and Texas. We’re growing! In fact, Fortune magazine recently listed Simmons as the 62nd fastest growing company in the U.S. Our growth has led to some amazing career opportunities. There’s never been a better time to join our team – a team dedicated to working together, high integrity, passion for all we do, and a commitment to high performance and personal and professional growth. If these cornerstones of company culture appeal to you, let’s talk!
Equal Employment Opportunity Information
Simmons First National Corporation and its subsidiaries are committed to a policy of equal employment with respect to a person's race, color, religion, sex, ancestry, sexual orientation, gender identity, national origin, covered veterans, military status, physical or mental disability or any other legally protected classifications. Simmons First National Corporation and its subsidiaries are committed to Affirmative Action Programs consisting of results-oriented procedures to ensure equal employment opportunities. These programs require positive action in lieu of neutral non-discrimination and merit hiring/performance policies.