Vice President/Commercial Banking Portfolio Management

1. Evaluate, underwrite and assist with closing commercial loans, franchise loans and owner-occupied commercial real estate loans

• Analyze loan data on new, renewal and existing loans, including data provided by credit bureaus, agent banks, borrowers and Bank credit files

• Prepare spreadsheets, reports, summaries and opinions for loan officers on new, renewal and existing loans

• Perform credit inquiries for the Bank as requested

• Establish, review and update new and existing credit files on a regular basis

• Provide technical advice and assistance to Relationship Manager as needed

• Work with Relationship Manager on proposals

• Prepare loan approval presentations

• Work with Loan Operations and/or attorneys to generate and review (for accuracy) documents and coordinate loan closings

1. Management of client relationships

• Negotiate loan extensions and renewals

• Respond to client inquiries

• Request and review updated financial and operating information. Confirm or recommend loan grade changes based on analysis performed

• Covenant compliance testing

• Update loan files

• Assist in preparation of Watch Report, Board Reports and other reporting as needed

• Work with Loan Operations and Deposit Operations to resolve client issues

• Fund draw requests

• Work with Treasury Management to meet the clients’ cash management needs

• Monitor and address past due loans and overdrawn deposit accounts

1. Additional departmental duties

• Attend department meetings

• Attend Management Loan Committee and Director’s Loan Committee meetings

• Attend Bank Officer meetings

• Review information on market trends in commercial lending

• Maintain knowledge of underwriting and Loan Policy guidelines

• Attend training as required

1. Participation in CRA activities

1. Participation in networking events

Nonessential Duties

• Other duties as assigned