Description/Job Summary

　　The Portfolio Manager completes compliance, credit administration, and loan servicing responsibilities and serves as an information resource for the Commercial Lending Department.

　　Responsibilities/Duties

　　Compliance & Credit Administration

　　Monitors and reviews Borrowing Base Reports (BBR) for compliance, following up with customers as needed

　　Monitors, reviews, and follows up for financial statements on accounts that are required to provide financials

　　For loan participations, monitors and follows up with lead lenders on accounts where periodic financial information is required

　　Identifies and resolves issues with above monitoring responsibilities

　　Ensures conditions of loan approvals are satisfied

　　Portfolio Servicing

　　Assists Commercial Lenders by processing renewals, new loan requests, and loan servicing actions

　　Monitors construction loan inspections, disbursements, and billing of undisbursed fees, reporting issues or concerns to the Commercial Lender for resolution

　　Works with corporate legal counsel on issues as diverse as review of loan participation documentation, eligibility opinions, and other actions requiring legal counsel's assistance and input

　　Monitors covenant compliance, ensuring timely and thorough compliance

　　Requests periodic financial statements from customers to maintain current financial information

　　Serves as tertiary contact for key loan relationships and key loan particpation partners

　　Commercial Lending Support

　　Assists support staff with loan document production by reviewing loan documents to ensure they include the correctlegal descriptions, note terms and covenants, and conform with the terms of approval

　　Provides assistance and guidance to support staff with quarterly calculations of unused fees to ensure accuracy

　　Provides guidance to support staff on customer relationship issues when the primary lender is unavailable

　　Coordinates with Loan Accounting Operations with servicing fees on loans sold, participation loan accounting setup on participations purchased, and other general accounting questions when the primary lender is unavailable

　　Back-Up Resource

　　Serves as the back-up resource to the support staff

　　Completes loan processing

　　Provides customer service

　　Creates board reports

　　Completes account maintenance

　　Reporting

　　Utilizes on-line research, published reports, contacts within the Farm Credit System, and other resources as needed to maintain and enhance knowledge of specific industries and targeted prospects

　　Develops and maintains understanding of risks specific to specific industries and shares information within the Commercial Lending Department

　　Utilizes industry knowledge in financing and servicing discussions

　　Creates standard quarterly reports on large loan relationships, utilizing information obtained from the Commercial Lender

　　Data Security and Confidentiality

　　Appropriately protects the confidentiality, security, and integrity of the Association's systems and data and clients' dataRequired Skills

　　Working knowledge of accounting principles, practices and methods

　　Working knowledge of credit processing and procedures

　　Skill in listening and conveying awareness of a customer's problem or issue to find resolution

　　Skill in utilizing a systematic approach to problem solving

　　Skill in interacting and working effectively with others

　　Skill in engaging, colloaborating and building trust amongst team members, along with establishing and maintaining cooperative working relationships.

　　Ability to work independently, being self motivated

　　Skill in gathering, compiling, organizing and analyzing information

　　Skill in performing a variety of duties, often changing from one task to another of a different nature

　　Skill in utilizing technology, including Excel and PowerPoint proficiency, to increase efficiency

　　Oral and written communication skills, sufficient to exchange information effectively with peers, supervisor and customers

　　Expert customer service skills, including the ability to communicate complicated information, deliver bad news effectively, and exceed customer expectations

　　Skill in balancing logic and intuition to make sound decisions in a timely manner

　　Skill in project management

　　Required Qualifications

　　Bachelor's degree in accounting, business, finance or related field, and

　　3 years of related experience in finance, loan processing, or banking;

　　Or an equivalent combination of education and experience sufficient to perform the essential functions of the job

　　Preferred Qualifications

　　5 years of related experience in finance, loan processing, or banking