Job Description - Portfolio Manager, Corsicana

SUMMARY

Support lenders in managing existing loan portfolios and evaluating loan applications for renewals, modifications, and extensions and assist with loan closings. This position will help to maintain and build loans and deposits, fee income, and referrals of business. 

ESSENTIAL DUTIES AND RESPONSIBILITIES

This position includes the following duties and responsibilities: 

• Employee is responsible to understand and comply with regulatory requirements for financial transactions, most specifically the Bank Secrecy Act (BSA) and Customer Identification Program (CIP) as it relates to specific job functions. 
• Greets customers and provides superior customer service. 
• Exhibits superior customer service as a First State Bank team member. Demonstrates high quality relationship building techniques to ensure the customer receives the best possible solution to his banking and financial needs. Helps promote a loyal relationship between the customer and First State Bank. 
• Ensure the portfolio administration and risk management of each client relationship is in compliance with established First State Bank credit policy, procedure and business strategy as well as commercial and regulatory guidelines.
• Partner with the Retail Office Manager as the point of a contact for the client; acting as a liaison to the Credit Department, the lenders and other internal business partners. 
• Maintain portfolio quality by effectively managing past dues, overdrafts, insurance, policy exceptions, ticklers, covenants, loan agreements, borrowing bases and n-drives. 
• Assist lenders with obtaining financial information and other required documentation. Informs credit/lending teams of any documentation issues, including missing documentation and the need for follow-up. 
• 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.