Associated Bank is an equal opportunity employer committed to creating a diverse workforce. We support a work environment where colleagues are respected and given the opportunity to perform to their fullest potential. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors. Applicants with a disability who need assistance applying for a position with Associated Bank are asked to email: [ Email address blocked ] - Click here to apply to Portfolio Manager III Corporate Banking or call: [ Phone number blocked ] - Click here to apply to Portfolio Manager III Corporate Banking.Portfolio Management
Responsible for underwriting, credit monitoring and portfolio management of Commercial/Corporate/Specialized Banking relationships to achieve efficiencies and quality of the process and product, retention and expansion of existing client relationship, growth of total client assets and net growth in relationships. Primary performance responsibilities include analyzing financial data to determine the merits of loan requests (including adherence to loan policy), recommending structure, collecting financial statements, as well as identifying cross selling/referring opportunities of other deposits services. As a Portfolio Manager, this position will maintain and build loans and deposits, fee income and referrals of business. Secondary management of certain accounts may be expected from senior level performers. At a senior level, one may be responsible for training and development of more junior portfolio managers.
Responsible for expanding and deepening customer relationships by identifying customers’ needs comprehensively and matching their needs with selections and resources within the colleague’s assigned business line and across all business lines of Associated Bank.
As a valued colleague of Associated Bank you play a critical role in delivering an exceptional customer experience during every interaction. Expectations for this position require the ongoing focus on building solid and long lasting relationships by engaging all customers in a positive manner. Colleagues should provide customers a positive experience that includes undivided attention, straightforward and knowledgeable service and ensure that the customer’s best interests are our number one priority. Consistency around customer experience guidelines is key and expected from all of our colleagues. Our goal is to simplify the customer experience and deliver outstanding service to every customer, every time.
Operates in full compliance with internal policies and procedures as well as applicable regulations and laws, including but not limited to Bank Secrecy Act/Anti-Money Laundering requirements. Responsible to report any procedure or process that doesn’t meet regulatory requirements including fraud, whether suspected or confirmed, to management. This reporting can be done directly to any member of management, including Human Resources or Corporate Security, or can be reported through Associated’s anonymous Ethics Hotline.
Key Result Areas
Fee Income Growth
Delivering Service Consistent with Brand, Vision and Talent Philosophy
Negotiation and Influence
Other Demand Deposit Growth
Other Commercial Deposit Growth
Job Accountabilities Ensure the portfolio administration and risk management of each client relationship is in compliance with established Associated Banc-Corp credit policy, procedure and business strategy as well as regulatory guidelines.
May participate with ad hoc special projects for the team or region as needed.
As appropriate to experience, co-manage relationships by analyzing financial data to determine the merits of specific loan requests, and recommend structure as well as aggressively managing the client relationship.
Responsible for credit risk and quality of the portfolio.
Assist with due diligence/analysis with new client relationships, opportunity memos as appropriate.
Partner with the Relationship Manager as the point of a contact for the client; acting as a liaison to the Credit Department, the Commercial support staff and other internal business partners.
May provide advice and counsel to clients regarding trends and conditions of the business environment, capital markets and general banking trends.
Monitor loan repayment activities and financial condition of borrowing clients and take necessary action to collect past due accounts and ongoing repayment ability of all other accounts. May assume overall responsibility for the credit quality of the loan portfolio.
May make presentations on specific loans and participate in the bank’s Loan Approval Process, recommending approval and appropriate structure of credits.
Manage the renewal process by working with the Relationship Manager the client and the credit department.
May serve as a contact manager for non-borrowing accounts and loan clients for matters relating to other banking services.
Responsible for identifying cross sales opportunities of all bank products including Treasury Management, International Banking, Private Banking, Private Client and Institutional Services, Employee Benefit Services, and AFG, Capital markets to our existing client base as well as prospects.
Participates in community and business functions/groups to ensure a positive image for the bank within the region’s marketplace.
Education Bachelor's Degree Business, Finance or Accounting or other related discipline, or equivalent related experience, Required
Master's Degree Business, Finance or Accounting or other related discipline or equivalent related experience, Preferred
Experience 4-7 years Commercial/Corporate/Specialized Banking and/or Credit Approval Experience, Required
4-7 years Extensive experience handling complex credits, Required 2-4 years Sales experience, Preferred 2-4 years Formal Credit Training, Preferred
Skills Other: Excellent verbal, written and interpersonal skills, Advanced Other: Strong knowledge of non-borrowing products, Intermediate Other: Superior credit, risk management and negotiation skills, Advanced Other: Excellent analytical and financial analysis skills, Advanced Other: Capable of making quick, on-the-spot computations with Financial Calculator., Advanced Other: Strong customer service orientation, Advanced Other: Strong marketing and presentation skills, Advanced Other: Understand macro and micro economic issues as they apply to business, Intermediate Other: Thorough understanding of risks (market, rate, leverage, etc.) as it applies to the lending process, Advanced Other: Strong knowledge of loan agreements, assumptions, accounting, loan structuring, and collateral procedures, Advanced Other: Strong knowledge of lending policies and procedures, Advanced Other: Computer literate in Microsoft Office products and the ability to quickly learn new software/systems, Advanced Other: Collaborative and highly coachable, Advanced
Licenses and Certifications CFA-Charted Financial Analysis , Preferred
Must have access to reliable transportation and the ability to lawfully drive self, if applicable. by start date, Required
General Physical Condition Light physical effort; routine handling of heavy objects up to 20 pounds or prolonged standing, keyboard, or CRT work (at least 50% of time)
Training And Development