Sales Portfolio Specialist

Overview

This position is responsible for managing a portfolio of commercial relationships and loans. The role coordinates with Credit Administration to collect required documentation (financial statements, tax returns, rent rolls, borrowing basis, and annual servicing materials) and monitors the financial condition of the assigned commercial loan portfolio, either directly or indirectly, as determined by the Commercial Team Leader (CTL) or Area Executive (AE).

Responsibilities also include servicing client banking needs such as processing loan renewals, line of credit draw requests, letter of credit renewals, and, at times, new loan requests from existing clients. Additional duties include monitoring and managing past due items, borrowing base, covenant tracking, and maturity lists, as well as working with Lending Assistants and CLUs to keep files current with required financial information.

Responsibilities

• Contact customers and their designees (e.g., CPAs) to collect required/needed information, including financial statements.
• Provide preliminary feedback to the CTL or AE on current customers, including creditworthiness and merits of proposed loan renewals.
• Partner with Commercial Lenders and CLUs to complete renewals as directed by the CTL or AE, including:
  • Monitoring the Maturing Loans Report
  • Collecting financial statements
  • Completing the credit memo
  • Driving the approval process
• Monitor collateral and financial exceptions, ensure collection, and clear ticklers in a timely manner by working closely with Lending Assistants.
• Partner with Credit Administration to ensure annual reviews and renewal packages include all needed documents and answered questions to complete reviews on time.
• Work with Credit Administration and Loan Review on required monitoring and reporting of Classified Loans.
• Assist Loan Review when requested by Credit Administration.
• Support the CTL or AE with projects and normal workflow, including initiating workflow into any credit origination software.
• Periodically accompany a Commercial Relationship Manager (CRM), CTL, or AE on calls with existing and/or prospective clients as requested.
• Periodically attend loan closings with CRM, CTL, or AE as needed.
• Undertake special projects related to the role as determined by CTL, AE, Community President, or Regional President.
• Ensure compliance with bank policies and procedures, code of conduct, and regulatory guidelines.
• Liaise with other employees to support healthy, positive interactions.
• Assist with marketing endeavors/efforts when requested.
• Continuously update skills through professional training and pursue opportunities for cross-training.
• Perform other tasks, responsibilities, or duties as directed by management.

Competencies

• Strong communication skills, including excellent writing and speaking.
• Proficient with general office programs, including Microsoft Office Word, Excel, Outlook, and other department software.
• Ability to use a computer efficiently and learn new software programs as they are rolled out.
• Basic English language skills to write (including spelling and punctuation) and speak clearly and effectively with coworkers and customers.
• Well-organized, accurate, and attentive to detail.
• Cooperative and willing to assist coworkers and customers regularly.
• Effective listening skills, including understanding others and proposing solutions or contributions.
• Strong multi-tasking ability and ability to function well under pressure.
• Ability to remain composed under pressure and respond to customer and coworker concerns.
• Keen eye for detail and ability to follow instructions precisely.
• Patient, supportive attitude toward helping others solve problems.

Qualifications, Education, and Certification Requirements

• Education: Bachelor’s Degree in business or finance is recommended, or equivalent work experience in a related field.
• Experience: 1–3 years preferred experience in Commercial Credit Analysis, Commercial Loan Underwriting, or other bank experience appropriate for the role.
• Certifications/Specific Knowledge:
  • Knowledge of personal computer, Windows, and Microsoft software applications required.
  • Strong analytical skills and ability to quickly assimilate complex data.
  • Ability to remain focused and task oriented.
  • Excellent written and oral communication skills.
  • Attention to detail.
  • Self-starter requiring minimal supervision.

Training Requirements/Classes

• Required annual compliance training
• New Employee Orientation

Physical Demands

• Ability to access and interpret information on computer screens, documents, reports, and cash denominations, and identify customers.
• Significant time in front of a computer; work may be performed sitting or standing with use of the right desk.

Work Environment

• May be located in a cubicle environment that can be loud throughout the day.
• Telecommuting (hybrid or 100% full time) requires:
  • A secure home office environment free from background noise and distractions
  • A reliable private internet connection not supplied using cellular data (hot spot)
  • Cable or fiber connections are preferred
  • Requirements are subject to change as new systems and technology are delivered.

Travel

• Travel may be required to attend meetings as needed.

Location

317 North Highway 52, Moncks Corner, South Carolina 29461

Equal Opportunity Employer

Equal Opportunity Employer, including disabled/veterans.