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Manager, Commercial Portfolio
Hancock Holding Company
Tampa, FL, United States
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JOB FUNCTION / SUMMARY:
Analyze, underwrite and service commercial loan relationships in a timely manner and according to business and Bank Standards.
SCOPE:
• Number of Accounts: 25 +
• Portfolio Commitments: $75MM +
DUTIES & RESPONSIBILITIES:
ESSENTIAL DUTIES
• Works under limited direct supervision of a Portfolio Group Manager (PM) and as a partner with Relationship Managers (RMs).
• Supports and assists other Portfolio Managers as team workload dictates.
• Keeps informed of current economic conditions and legislation which may affect customer relationships and the Commercial Line of Business.
• Works as a member of the customer’s Credit Deliver Team in conjunction with Relationship Manager, Credit Officer, etc.
ADDITIONAL DUTIES
• Provides key support in working with the RM to structure and underwrite new loan requests.
• Underwrites extensions, modifications and renewals with limited assistance.
• Presents loan requests as needed to Credit Officers/ Loan Committee.
• Works directly with the Middle Market and Commercial Bankers to obtain all necessary financial statements and transaction information in order to analyze credit requests.
• Tracks Loan Agreement Compliance ensuring that relationships within their portfolio are monitored per the terms of the Loan Agreement.
• Monitors and works with RM to clear payment Past Dues.
• Prepare risk rating scorecards and related forms/reports to verify that ratings are accurately reflected and documented.
• Completes due diligence process by ordering appropriate reports.
• Conducts company, industry and market analyses to further assess borrower credit quality.
• Reviews and approves all legal documents, whether internally or externally prepared, to ensure accuracy and completing in accordance with loan approval.
• Tracks and resolves document exceptions related to closing and ongoing exceptions. Monitors credit status and quality of loans on a regularly scheduled basis, including assessment of current risk rating.
• Tests borrower operating performance against original underwriting and projections upon receipt of required reporting information (i.e. monthly, quarterly, semi-annual, or annual financial statements, etc.)
• Performs, at minimum, annual reviews to assess borrower performance and risks associated with the loan, borrower and guarantors.
• Secures and safeguards all customer information according to Bank guidelines, including cash, customer account data, and other sensitive information.
• Participates in civic, community and industry activities as needed.
• Other duties and special projects as assigned by Senior Management
• Incumbent is required to comply with all applicable federal, state, and local banking and industry related laws and regulations including but not limited to the Bank Secrecy Act.
SUPERVISORY RESPONSIBILITIES:
None
MINIMUM REQUIRED EDUCATION & EXPERIENCE:
Required
• Bachelor's degree in Business Administration, Finance, Accounting or a related field.
• Seven to 10 years of credit analysis experience and working with Credit Analysts/Underwriters and Relationship Managers or bankers.
• Successful completion of a formal credit training program or certificate program.
• Experience assisting Senior Bank Officers with complex, diversified, sensitive and high-dollar amount credits.
MINIMUM REQUIRED KNOWLEDGE:
• Thorough knowledge of commercial and retail lending services, documentation, underwriting and regulatory guidelines.
• Superior understanding of financial ratios and business principles.
• Superior knowledge of credit analysis and lending functions.
• Excellent working knowledge of all bank products and services.
• Ability to calculate financial ratios and apply basic business principles.
• Ability to interpret personal and business tax returns and financial statements.
• Ability to use sound logic to solve problems with effective solutions.
• Ability to communicate effectively orally and in writing using the English language; ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations; ability to write reports, business correspondence, and procedure manuals; ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
• Ability to work with mathematical concepts such as probability and statistical inference; ability to apply concepts such as fractions, percentages, ratios and proportions to practical situations.
• Ability to solve practical problems and deal with a variety of instructions furnished in written, oral, diagram, or schedule form.
ESSENTIAL MENTAL & PHYSICAL REQUIREMENTS:
• Ability to work under stress and meet deadlines
• Ability to travel
• Ability to lift/move/carry approximately 25 pounds if required to perform the essential job functions. If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department/division an “undue hardship” then the employee must be accommodated; hence omitting lifting/moving/carrying as a physical requirement.
DISCLAIMER
This job description is only valid as of the date it was revised. Please contact the HR Compensation Department to obtain the latest version. Information contained herein should be treated as confidential to Hancock Holding Company.
NOTHING IN THIS JOB DESCRIPTION RESTRICTS MANAGEMENT'S RIGHT TO ASSIGN OR REASSIGN DUTIES AND RESPONSIBILITIES TO THE JOB AT ANY TIME
Equal Opportunity/Affirmative Action Employers. All qualified applicants will receive consideration for employment without regard to race, color, religious beliefs, national origin, ancestry, citizenship, sex, gender, sexual orientation, gender identity, marital status, age, physical or mental disability or history of disability, genetic information, status as a protected veteran, disabled veteran, or other protected characteristics as required by federal, state and local laws.