OH0713 NW

Bancshares

HQ, PA0725

State College Business Office Job Description Overview The Commercial Portfolio Manager is responsible for the ongoing monitoring process for the Bank's commercial loans to ensure timely and accurate risk ratings and compliance with credit policy, loan agreements, and applicable banking regulations. This individual contributor position interacts closely with and supports Commercial Banking Relationship Managers, as well as other internal personnel, on commercial credit portfolio monitoring working under limited supervision. Construction Loan experience is desirable. Portfolio Manager II or III will be determined based on the candidates knowledge and experience. Essential Functions Monitor credit performance of individual commercial borrowers ensuring timely escalation or remediation, as appropriate.\nResponsible for the timeliness and accurate reporting of the commercial portfolio monitoring activities and adherence to credit policies, procedures and thresholds related to financial statement collection, covenant testing, collateral valuation, annual reviews, and delinquencies. Evaluation of risk associated with non-compliance.\nEngage with customers, regularly, to discuss operating performance and business results including covenant compliance. Gain a thorough understanding of the borrowers' business model and industry trends in order to effectively evaluate sources of repayment and accurately assign risk rating.\nCollect and review all pertinent credit and financial information, including but not limited to financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research and peer data. Determine the need for more thorough investigation or additional information.\nSpread financial statements and prepare financial models designed to assess probability of default and loss given default. Document historic and proforma cash flows, covenant calculations, sensitivity analysis, guarantor statement review, and collateral valuation as appropriate.\nAnalyze financial information and related materials to ensure prudent ongoing credit monitoring for the Bank's commercial loan portfolio. Analyses to include an independent credit quality assessment with well-supported risk rating rationale, identification of credit risks and mitigants, industry concerns, market trends, financial trends, and other pertinent credit issues. Identify emerging risks or material changes in customers financial position, including evaluation of compliance with loan agreements.\nAssist in completion of annual reviews, renewals, interim update memos, covenant calculations and criticized asset reviews. Monitor early warning indicators and other forms of credit surveillance.\nPresent analysis or address questions during credit discussions or presentations.\nLiaison between Commercial Banking Relationship Managers, Credit Risk, the Underwriting Team and Special Assets to ensure necessary credit approvals are obtained and appropriately documented and loan operating system reflects accurate commercial loan data.\nDocument and track key risk indicators associated with monitoring and control procedures and any applicable thresholds.\nEnsure compliance with Northwest's policies and procedures, and Federal/State regulations\nNavigate Microsoft Office Software, computer applications, and software specific to the department in order to maximize technology tools and gain efficiency\nWork as part of a team\nWork with on-site equipment Qualifications Bachelor's Degree Accounting, Finance, Economics, or related discipline preferred\nRelevant experience in Commercial Lending as a Portfolio Manager, Relationship Manager and/or Credit Officer/Underwriter working with moderate to complex loans and documentation preferred Or\nExperience in Commercial Credit or public accounting preferred\nAbility to perform financial analysis, assess risk, review documentation, coordinate loan closings and administer construction loans, Extensive\nStrong analytical, organizational and critical thinking skills, Extensive\nTeam-oriented with ability to monitor and manage multiple responsibilities simultaneously, Extensive\nCredit risk analysis including assessment of financial statements, collateral valuation, industry review, and risk rating assignments, Extensive Travel Requirements As Needed for training and occasional team meetings\nAs Needed for training and occasional team meetings This position is performed onsite Monday - Thursday with Fridays an optional remote day. The pay range for this position is generally $61,500 - $110,000 annually. Actual pay is based on various factors including but not limited to the successful candidate's experience, skills, and knowledge. Additional bonus earning opportunities and benefits are also available. #LI-EK1 Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees. Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities Additional Details How To Identify Potential Job Scams

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