Commercial Portfolio Manager II

Position Summary

Responsible for helping to manage the Commercial & SBA loan portfolio as assigned. Perform loan reviews on the existing portfolio to reaffirm risk ratings, and upgrade / downgrade when applicable, and ensure borrowers are in compliance with covenants. In addition, will be required to occasionally contact borrowers, conduct site visits and customer meetings, and work with the credit team and loan officers to resolve customer problems. Also assist team with various Board and executive management reports.

Essential Functions

• Conduct regular loan monitoring reviews.
• Prepare Credit Reviews to assess asset quality, including performance against original underwriting expectations.
• Evaluate borrower / sponsor financial statements, rent rolls, project status reports, and overall credit condition.
• Coordinate site visits and prepare site visit reports in accordance with Credit policies and procedures.
• Assist the Portfolio Management Team with reporting on the overall portfolio, including asset quality, stress testing, industry and market analysis, asset allocation, reserves, and non-performing loan analysis.
• Maintain accurate loan risk ratings by analyzing loan performance and preparing annual reviews.
• Ensure compliance with the Bank's Credit Policy and regulatory standards.
• Serve as the loan-level expert for a portfolio of complex construction, permanent, and / or C&I loans.
• Maintain a high degree of professionalism in post-closing relationships with borrowers to encourage repeat business.
• Complete site visits, covenants, and annual reviews in a timely manner.
• Maintain reporting information on relevant tracking systems for accurate reporting.
• Participate in meetings, trainings, and special projects as assigned by management.
• Work on miscellaneous projects related to credit functions or across the bank as needed.
• Assist loan officers with Abrigo tickler maintenance, covenant tracking and financial statement retention.
• Follow up with loan officers to obtain updated financial information including business and personal tax returns and personal financial statements.
• Assist borrowers and loan officers in modifying loans as needed for payment modifications, loan restructuring, collateral release, etc..
• Draft memos for any substantial changes in a borrower's financial stability or ownership structure.
• Keep informed of industry changes, trends, and best practices.

Job Requirements and Qualifications

Education and Experience

Licenses and Certifications

Knowledge, Skills, and Abilities

Physical Requirements

Working Conditions

Compliance

All qualified applicants will receive consideration for employment without regard to race, color, age, religion, gender, sexual orientation, gender identity, national origin, protected veteran status or disability.

This job description is not an employment agreement or contract, implied or otherwise. Unity Bank maintains "at will" employment.

This document describes the position currently available. It is intended to convey information essential to understanding the scope of the position and is not an exhaustive list of skills, efforts, duties, responsibilities, or working conditions associated with it. Unity Bank reserves the right to modify duties or job descriptions at any time. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities at any time. Individuals may perform other duties as assigned, including work in other functional areas to cover absences or relief, to equalize peak work periods, or otherwise balance the workload.

Unity Bank is committed to the principles of equal employment opportunity and prohibits discrimination in hiring, promotion and terms and conditions of employment on the basis of race, creed, color, national origin / nationality, ancestry, religion / religious practices or observances, age, sex, gender identity or expression, affectional or sexual orientation, marital status, civil union status, domestic partnership status, disability or perceived disability, atypical hereditary cellular or blood trait, genetic information, and status as a veteran or disabled veteran of, or liability for service in, the Armed Forces of the United States.

Unity Bank commits to making reasonable accommodation to the known physical or mental limitations of qualified individuals with disabilities and qualified disabled veterans provided the individual is able to perform the essential functions of the job , unless such accommodation would impose an undue hardship upon Unity Bank. A qualified employee or job applicant with a disability may request a reasonable accommodation by contacting Unity Bank's human resources department.