AVP Specialty Loan Portfolio Management

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Responsible for managing all aspects of a specialty loan portfolio which can include timely and accurate risk rating assessments, renewals/modifications, originations, and maintaining strong relationships with Bank customers.

Essential Job Functions:

• Guides the management team to adhere to the regulatory and managerial guidelines established in policy and supports the Bank's overall strategic goals.
• Makes recommendations and assists with the development of policies and procedures that address relevant points of operation, including (but not limited to), reporting standards, internal audit process, credit review process and regulatory compliance, as needed.
• Monitors Borrower compliance with loan documents.
• Performs ongoing follow up for collection and review of all required documentation and financial data including tax returns, financial statements, rent rolls, operating statements, global cash flow statements, appraisal and environmental reports and other documents as needed or as prescribed by their respective loan covenants and reporting requirements.
• Determines the physical condition of the collateral through analysis of appraisal reports, inspection reports, environmental/engineering reports, property condition reports and flood determination reports.
• Supports Commercial Credit Underwriting in the analysis of the property's loan to value, debt service coverage ratio, marketability through analysis of appraisal, rent rolls, financial statements, market data and demographic information.
• Works closely with the Association Services' deposit team to onboard new client or expand and service existing clients.
• Evaluates the financial condition of borrowers, principals, and guarantors through analysis of tax returns, financial statements, global cash flow statements, bank statements, credit reports and OFAC reports and Personal Questionnaire response.
• Prepares the Opportunity Memorandum and provides ongoing support to Credit Underwriting for Credit Package preparation with ongoing validation and resource reviews.
• Responsible for ensuring the accuracy of the loan data and ongoing loan maintenance.
• Directly coordinates with Bank underwriting department and other departments withing the Bank to drive the closing process while strictly adhering to all policies and procedures as defined by loan policy.
• Identifies and escalates ongoing portfolio credit issues to various levels of management.
• Assists with the resolution of loan administration items, including exception items and post- closing items.
• Handles customer calls and research items for problem resolution.
• Conducts ad hoc financial analysis, as required.
• Responsible for ongoing portfolio management and special projects, as assigned.
• Regularly exercises discretion and judgment in the performance of essential job functions.
• Maintains good punctuality and attendance to work.
• Follows Bank policy, practice, and procedures.

Knowledge, Skills & Abilities:

• Comprehensive knowledge of loan underwriting and credit evaluation.
• Ability to identify challenges, navigate obstacles, and effectively drive the loan closing process.
• Ability to demonstrate knowledge of condominium and HOA statues, laws, and regulations within the State of Florida.
• Ability to read, analyze and interpret financial reports and/or legal documents.
• Ability to effectively write documents, presentations, and analysis.
• Ability to demonstrate effective organization, critical thinking, analytical and problem-solving skills.
• Ability to communicate effectively both verbally and in writing.
• Ability to work effectively and demonstrate flexibility in a continually changing environment.
• Ability to manage multiple tasks with exacting deadlines in a fast-paced environment.
• Ability to multi-task and work well under pressure and with exacting deadlines.
• Ability to work under general supervision.
• Skill in using computer and Microsoft Office, including Outlook, Word, Excel, and PowerPoint.

Job Expectations: Operate customary equipment and technology used in a business environment, with or without accommodation.

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Position Requirements:

Basic Qualifications:

• Bachelor's degree in business, real estate or other job-related field; or commensurate work experience, required.
• Master of Business Administration or Real Estate, preferred.
• 2+ years of work experience in commercial banking, commercial loan underwriting, loan closing, credit analysis and/or asset management, required.