Portfolio Manager

Portfolio Manager SmartBank - 4.1 Chattanooga, TN Job Details Full-time 23 hours ago Qualifications Customer communication Customer relationship building Sales Workflow management (operations management method) Business development Customer relationship management Full Job Description Looking to join a Great Place to Work Employer and become a valued member of our growing team? At SmartBank, we're not just offering a job; we're inviting you to be a part of a culture built on excellence.

Major Duties and Responsibilities:

Core Values & Culture Commitment:

Uphold SmartBank Core Values and Core Purpose. Adheres to and embraces the SmartBank Way by Acting Smart, Looking Smart and Being Smart. Loan Renewal & Portfolio Management Lead and manage the loan renewal process for assigned Relationship Managers (RMs) Maintain a proactive approach to all upcoming maturities using the 30‑60‑90 day maturing report. Confirm upcoming renewals versus payoffs in partnership with each RM. Create renewal records in nCino, ideally at least 60 days prior to maturity. Actively manage all financial exceptions, with priority given to items 90 days or older. Coordinate with RMs to clarify responsibility for customer outreach related to financial reporting or documentation. Manage and monitor Earl Whaley insurance reports, with emphasis on past-due items and avoidance of forced‑placed insurance. On‑

Time Renewal Creation:

95% of renewals created 45 days prior to maturity. Maturity Review Coverage (30‑60‑90): 100% of loans reviewed with renew or payoff decision.

Past Due Renewals:

0 loans maturing without a renewal or documented payoff.

Renewal Cycle Time:

Average 45 days from identification to completion Credit and Review Support Update and upload financials, spreads, and covenant compliance information, providing RMs with timely status updates. Complete initial preparation for annual reviews, ensuring accuracy and completeness of required documentation.

Review Preparation Lead Time:

Reviews prepared 30 days before due date. Financial Exceptions & Covenant Compliance Aged Financial Exceptions (>90 days): 5% of total exceptions.

Exception Resolution Timeliness:

90% resolved within 30 days.

Covenant Tracking Accuracy:

95% accurate identification and reporting.

Financial Update Timeliness:

95% completed by internal deadlines. Insurance & Risk Monitoring Forced‑

Placed Insurance Events:

0 attributable to PM action or inaction. Past‑

Due Insurance Resolution:

95% resolved within 15 days.

Insurance Exception Aging:

Average outstanding 30 days. Client Servicing & Support Assist with need-based inquiries (including Treasury Management, account questions, loan draws, etc.) and direct them to the appropriate internal partner. Support opening and servicing commercial and private banking accounts, including coordination with Retail when needed. Provide operational support with wires, ACH, mobile deposit, online banking as needed. Support the completion of annual account and Treasury Management reviews. General Responsibilities Participate in regular weekly meetings with relevant team members to communicate priorities and action items. Perform additional duties as assigned related to loan process management or client servicing.

Position Requirements and Qualifications:

Education:

Bachelor's degree in business-related field preferred or applicable experience.

Knowledge, Skills, and Abilities:

Excellent customer service and interpersonal skills. Ability to apply knowledge and sound judgment in decision-making using established guidelines. Strong written and oral communication skills. Detail oriented and ability to function in a team environment. Demonstrates ability to maintain a positive attitude. High level of integrity. Able to maintain regular and predictable attendance. Must possess the ability to handle multiple tasks simultaneously, with frequent interruptions. Must be able to able to prioritize and organize daily workflow. Strong relationship management and business development/sales skills. Thorough knowledge of bank products and services.

Work Conditions:

Able to routinely stand, sit, bend and stoop. Frequently and regularly required movements using wrists, hands, and/or fingers. Average, ordinary, visual acuity necessary to prepare and inspect documents or products and operate machinery. Ability to hear average or normal conversations and receive ordinary information. May be required to travel to training sessions or meetings.