Portfolio Manager

Looking to join a Great Place to Work Employer and become a valued member of our growing team? At SmartBank, we're not just offering a job; we're inviting you to be a part of a culture built on excellence.

Major Duties and Responsibilities:

Core Values & Culture Commitment:

• Uphold SmartBank Core Values and Core Purpose.
• Adheres to and embraces the SmartBank Way by Acting Smart, Looking Smart and Being Smart.

Loan Renewal & Portfolio Management

• Lead and manage the loan renewal process for assigned Relationship Managers (RMs)
• Maintain a proactive approach to all upcoming maturities using the 30‑60‑90 day maturing report.
• Confirm upcoming renewals versus payoffs in partnership with each RM.
• Create renewal records in nCino, ideally at least 60 days prior to maturity.
• Actively manage all financial exceptions, with priority given to items 90 days or older.
• Coordinate with RMs to clarify responsibility for customer outreach related to financial reporting or documentation.
• Manage and monitor Earl Whaley insurance reports, with emphasis on past-due items and avoidance of forced‑placed insurance.
• On‑Time Renewal Creation: 95% of renewals created 45 days prior to maturity.
• Maturity Review Coverage (30‑60‑90): 100% of loans reviewed with renew or payoff decision.
• Past Due Renewals: 0 loans maturing without a renewal or documented payoff.
• Renewal Cycle Time: Average 45 days from identification to completion

Credit and Review Support

• Update and upload financials, spreads, and covenant compliance information, providing RMs with timely status updates.
• Complete initial preparation for annual reviews, ensuring accuracy and completeness of required documentation.
• Review Preparation Lead Time: Reviews prepared 30 days before due date.

Financial Exceptions & Covenant Compliance

• Aged Financial Exceptions (>90 days): 5% of total exceptions.
• Exception Resolution Timeliness: 90% resolved within 30 days.
• Covenant Tracking Accuracy: 95% accurate identification and reporting.
• Financial Update Timeliness: 95% completed by internal deadlines.

Insurance & Risk Monitoring

• Forced‑Placed Insurance Events: 0 attributable to PM action or inaction.
• Past‑Due Insurance Resolution: 95% resolved within 15 days.
• Insurance Exception Aging: Average outstanding 30 days.

Client Servicing & Support

• Assist with need-based inquiries (including Treasury Management, account questions, loan draws, etc.) and direct them to the appropriate internal partner.
• Support opening and servicing commercial and private banking accounts, including coordination with Retail when needed.
• Provide operational support with wires, ACH, mobile deposit, online banking as needed.
• Support the completion of annual account and Treasury Management reviews.

General Responsibilities

• Participate in regular weekly meetings with relevant team members to communicate priorities and action items.
• Perform additional duties as assigned related to loan process management or client servicing.

Position Requirements and Qualifications:

Education:

Bachelor's degree in business-related field preferred or applicable experience.

Knowledge, Skills, and Abilities:

• Excellent customer service and interpersonal skills.
• Ability to apply knowledge and sound judgment in decision-making using established guidelines.
• Strong written and oral communication skills.
• Detail oriented and ability to function in a team environment.
• Demonstrates ability to maintain a positive attitude.
• High level of integrity.
• Able to maintain regular and predictable attendance.
• Must possess the ability to handle multiple tasks simultaneously, with frequent interruptions.
• Must be able to able to prioritize and organize daily workflow.
• Strong relationship management and business development/sales skills.
• Thorough knowledge of bank products and services.

Work Conditions:

• Able to routinely stand, sit, bend and stoop.
• Frequently and regularly required movements using wrists, hands, and/or fingers.
• Average, ordinary, visual acuity necessary to prepare and inspect documents or products and operate machinery.
• Ability to hear average or normal conversations and receive ordinary information.
• May be required to travel to training sessions or meetings.