<p>CREDIT PORTFOLIO SPECIALIST JOB DESCRIPTION</p> <p>Reports to Head of Credit Administration</p> <p>Summary Job Description:</p> <p>The Credit Portfolio Specialist will be responsible for working with the Head of Credit Administration on leading loan requests through the credit approval process and assisting with the overall portfolio management. The Credit Portfolio Specialist will require direct client contact and will be a valuable member of the support team for the client. The candidate should have a thorough understanding of the terms and conditions under which the loans should be analyzed, documented, presented and closed.</p> <p>Primary responsibilities are:</p> <ul> <li>Work with the Head of Credit Administration on financial and non-financial covenants tracking, and any special approval conditions. </li><li>Sends covenant breach letters and financial gathering letters when required. </li><li>Provides expertise and support in negotiating and documenting transactions with clients. </li><li>Facilitate means of receiving continuous financial documentation and updates with continuous tracking and follow up </li><li>Assist and check credit summaries to sense concise, well-reasoned, and thorough discussion of the credit and push back for rework when necessary. </li><li>Assist with the monitoring of the total loan portfolio through report preparation and maintenance. </li><li>Communicate material financial changes or covenant non-compliance within existing relationships with Loan Officer and Head of Credit Administration. </li><li>Prepare Market Studies and Annual Reviews as needed. </li><li>Assist with the routing of loan requests to ensure accuracy for respective committees for approval. </li><li>Participate in business development efforts with Loan Officers, which includes prospect call support and identifying potential additional product needs </li><li>Assists in Commercial Loan Review when needed </li><li>Assists with credit memos for line of credit renewals </li><li>Assists Loan Officer's and Head of Credit Administration in clearing all audit exceptions </li><li>Helps with phones, filing and customer contact when needed </li><li>Ensures all policies exceptions are documented </li><li>Uses the Bank's financial lending system </li><li>Responsible to obtain certification trainings </li><li>Construction draws and disbursements for all loans </li><li>Adverse Action quality control </li><li>All other duties as assigned </li></ul> <p>Education & Experience:</p> <ul> <li>Three to Five years Bank credit experience </li><li>Excellent financial analytical skills with sound judgement and decision-making abilities </li><li>Work well with a team </li><li>Excellent knowledge of personal/business financial statements and tax returns </li><li>Ability to organize and prioritize to meet deadlines </li><li>Self-starter with strong initiative </li></ul>