Position : AVP, Commercial Portfolio Manager III - SBA

　　Division : Commercial

　　Department : 44 Business Capital

　　Reports to : VP, Portfolio Quality Manager

　　Status : OFCR

　　Grade : 10

　　Pay range: $52,000 - $87,568

　　Actual compensation within the pay range will be decided based on factors including, but not limited to, skills, prior relevant experience, and specific work location.

　　Location : Flexible within MA, CT, NY, VT, RI, PA

　　Purpose/Objective :

　　Provides relationship management support to Line of Business (SBA Lending) in monitoring and servicing an existing portfolio of complex loans and borrowing relationships. Continuously evaluates operational and financial performance to maintain portfolio quality and risk rating accuracy. Interacts with customers as well as bank employees to address credit and deposit service related matters in a satisfactory manner. Assists Lending Officers in all aspects of servicing customers.

　　Key Accountabilities :

　　Portfolio Size/Composition

　　Assists Relationship Manager(s) (RM) with the management of a defined portfolio of existing Commercial Customers with revenues between $1MM and $100MM

　　Customers may have unique and/or more challenging banking needs

　　Customers may require specialized knowledge/industry expertise (SBA)

　　Portfolio Monitoring/Maintenance

　　Assists RM in the proactive management of the portfolio to ensure early detection of material changes in customer performance

　　Manages all reporting delinquencies including ongoing tracking via Baker Hill/Stuckey to ensure timely receipt of all financial, collateral, borrowing base, insurance, letter of credit and documentation exception/post-closing information including scanning information into Vision Content

　　Completion of Annual Reviews for relationships periodic file memos, modifications and waivers per policy under the direction of the VP Portfolio Quality Manager

　　Enters Line of Credit advance/pay down requests in SharePoint

　　Ensures Credit File completeness in FCM

　　Credit/Analytical Skills

　　Credit Trained or equivalent level of experience

　　Knowledge of SBA SOP 5010 and 5057 commensurate with experience

　　Ability to assess financial performance and risk including identifying ways to mitigate risk to the bank

　　Solid working relationship with Credit Partners to ensure ongoing credit quality of portfolio

　　Underwriting as necessary

　　Strong working knowledge of Loan policy and proven ability to adhere to sound risk management/pricing practices as well as to all internal and external credit/regulatory requirements

　　May have specialized industry/market knowledge consistent with portfolio (SBA)

　　Customer Service/Support

　　Provides excellent customer service

　　Ability to resolve customer problems independently

　　Site Visits/ customer calls as assigned

　　Deal Structuring/Loan Closing

　　Ability to review most loan documentation with minimal guidance from RM

　　Assists team with Loan Closings/Modifications and post-closing follow up

　　Partner Relationships

　　Demonstrated solid working relationships with internal partners including Credit, Documentation & Loan Specialists, Risk Management, Cash Management, Private Banking, Wealth Management, Retail, Insurance and Home Lending

　　Interacts with partners with minimal supervision

　　Product Knowledge

　　Solid knowledge of Commercial Credit Products and Services

　　Developing well-rounded knowledge of products sold by internal partners including Cash Management, Private Banking, Wealth Management, Retail and Home Lending

　　Ability to identify various cross sell opportunities and make solid product recommendations to meet customer needs

　　Networking/Community Involvement

　　As Assigned and congruent with X Team objectives and community involvementSpecial Projects

　　Assists with all special projects including Loan Review/Regulator Audit preparation, ongoing due diligence, industry research and portfolio scrubs as needed.

　　Conducts Archer Testing as appropriate

　　Ensures compliance with all banking laws, rules, regulations, and prescribed policies/practices/procedures necessary to reduce risk and uphold ethical standards related to and required by one’s duties.

　　Education :

　　BS Degree in Business, Economics or Finance or 10+ years in a banking career including financial analysis or loan workout as a prerequisite

　　Equivalent financial experience

　　Experience :

　　Minimum of 5+ years of Commercial Credit/Banking and/or related experienceSkills & Knowledge :

　　Solid written and verbal communications skills

　　Ability to present identified issues and recommended solutions to RM/Senior Management/ORC/ELC as appropriate

　　Strong computer skills

　　Ability to work as a member of team

　　Berkshire Bank is an Equal Opportunity Employer - all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or national origin.