At a Glance
- Tasks: Manage a portfolio of commercial loans and ensure asset quality while building strong client relationships.
- Company: Join a supportive bank that values diversity and community engagement.
- Benefits: Enjoy comprehensive benefits, generous paid time off, and opportunities for professional growth.
- Other info: Flexible working hours and potential travel for training and vendor meetings.
- Why this job: Make a real impact in the financial sector while working with smart and driven individuals.
- Qualifications: Bachelor’s degree or equivalent experience, strong communication skills, and financial analysis expertise.
The predicted salary is between 38191 - 130238 £ per year.
Position Purpose: Manages and administers a portfolio of commercial loans, ensuring asset quality, compliance, and strong client relationships, working closely with Commercial Loan Officers and Credit Officers.
What you’ll do:
- Prepare accurate and timely financial statement spreads.
- Underwrites commercial new loan and line renewals; analyses financial statements, tax returns, cash flows, and industry data for C&I, CRE, and SBA loans.
- Assist in structuring new credit requests adhering to policy: develops appropriate loan terms, covenants, pricing.
- Conduct an annual evaluation of relationships within the portfolio.
- Monitor portfolio delinquency and assist commercial lenders with calling on existing clients for payments up to 30 days past due.
- Responsible for monitoring, creating, and updating required financial reporting.
- Evaluate existing credit relationships and assign/affirm/request the appropriate risk rating based on the assessment of risk concluded through the analysis process.
- Coordinate approval process with Credit department and in Loan officer’s absence present to approval committee.
- Review and edit commitment letters ensuring accuracy between commitment letters and approval.
- Lead at minimum monthly (or as needed) portfolio management meetings with Lenders and lending assistants.
- Stay well-versed in current economic market trends to provide timely and relevant insights.
- Assume additional responsibilities, as requested.
Requirements:
- Bachelor’s degree or equivalent education/work experience.
- Excellent oral and written communication skills.
- Ability to analyse personal and business financial statements and tax returns.
- Demonstrates a comprehensive understanding of accounting principles and financial management.
- Strong working knowledge of Microsoft Office.
- Progressive level of lending experience.
- Attend seminars/schools required by management.
Working Conditions: The individual will be required to be available after normal working hours. Business travel may be necessary to meet with vendors and attend training opportunities. To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed under the knowledge/skills section are representative of the knowledge, skill set, and/or ability required. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.
EEO M/F/V/D
Salary Description: 81,381.91-130,238.98 depending on experience.
Senior Commercial Loan Portfolio Manager in Winchester employer: Bank of Clarke
As a Senior Commercial Loan Portfolio Manager, you will thrive in a dynamic and supportive environment that prioritises employee well-being and professional growth. Our company offers a comprehensive benefits package, including medical and dental insurance, generous paid time off, and opportunities for community engagement, all while fostering a culture of diversity and collaboration. Join us to make a meaningful impact in the financial sector while working alongside talented professionals dedicated to excellence and innovation.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Commercial Loan Portfolio Manager in Winchester
✨Tap into Campus Networks
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Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
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We think you need these skills to ace Senior Commercial Loan Portfolio Manager in Winchester
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
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How to prepare for a job interview at Bank of Clarke
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Bank of Clarke.
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✨Network with Industry Professionals
Before your interview, reach out to current or former Bank of Clarke employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
