AVP/LOAN PORTFOLIO MANAGER II

Since its inception in 1973, the shareholders and management of NBT Financial Bank (NBT) have maintained the same long term vision for the bank. We are a locally owned, independent, community bank that intends on providing prompt, courteous service to our customers, and looks to establish long-term relationships with those we serve.
 
NBT is a community bank, which means we believe in serving and supporting the markets where we are located.  NBT strongly encourages all employees to take an active role in the communities they serve.  There will be multiple opportunities throughout the year where NBT will ask for employee volunteers to help at events the bank has sponsored.  These are great opportunities for NBT employees to serve our communities, while also spreading NBT’s brand.  NBT also has a Community Involvement Program, where employees can earn additional PTO by volunteering at qualified events.
 
Reports to: Regional Market President and/or Branch President
Classification: Exempt
 
Job Summary
The Loan Portfolio Manager II is responsible for providing independent portfolio management, credit administration, and underwriting support for commercial lending relationships within assigned markets. This position partners closely with lending officers and market leadership to support portfolio quality, credit administration, customer service, annual review activities, covenant monitoring, and the credit approval process.
The Loan Portfolio Manager II serves as a key resource throughout the commercial lending and portfolio management process, coordinating with Loan Assistants, lenders, Credit Administration, and Loan Operations to facilitate timely and accurate credit administration and portfolio support activities.
This position is expected to support the Bank’s community banking philosophy through participation in community engagement and relationship-building activities within the markets served.
Essential Functions:
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
  
Portfolio Management

• Provide portfolio management and credit administration support for commercial lending relationships within assigned markets.
• Partner with lending officers and market leadership to monitor portfolio performance, identify developing credit concerns, and maintain portfolio quality.
• Complete annual reviews, renewals, modifications, and portfolio maintenance activities.
• Ensure timely collection and review of required borrower financial reporting.
• Monitor covenant compliance and document exceptions.
• Manage loan exceptions and ensure timely resolution.
• Review collateral inspections, evaluations, appraisals, environmental reports, and other due diligence requirements.
• Work maturing loans in advance to ensure timely renewal, modification, or payoff.
• Assist with criticized, classified, and watch list relationships
• Coordinate with lending officers to maintain portfolio quality and compliance.

 
Credit Analysis and Underwriting Support

• Analyze commercial financial statements, tax returns, balance sheets, income statements, and cash flow analyses.
• Evaluate guarantor strength, liquidity, leverage, and global cash flow.
• Review loan structure, collateral position, covenant requirements, and risk factors.
• Recommend risk ratings and identify emerging credit concerns.
• Assist lenders in structuring commercial real estate, owner-occupied real estate, construction, equipment, and line-of-credit facilities.
• Participate in loan committee presentations and approval discussions as requested.
• Maintain knowledge of Bank policy, regulatory requirements, and sound lending practices.

       
Credit Approval and Portfolio Support

• Support commercial lending activities throughout the credit approval and portfolio management process.
• Assist lending officers and market leadership with the collection, organization, and review of information necessary for credit analysis and approval.
• Coordinate with Loan Assistants, Credit Administration, Loan Operations, and other departments to facilitate the timely progression of assigned credit requests.
• Prepare credit memorandums, annual reviews, renewal requests, modifications, and supporting approval documentation.
• Organize and maintain credit files and supporting due diligence materials.
• Assist in resolving underwriting, collateral, appraisal, environmental, title, survey, and documentation issues.
• Support lenders during loan committee preparation and approval processes.
• Assist in transitioning approved loans into ongoing portfolio management and monitoring activities.
• Provide credit and portfolio management support as needed based upon market structure, staffing resources, and management assignment.

Customer Relationship Support

• Serve as a primary point of contact for assigned portfolio relationships regarding financial reporting, annual reviews, covenant compliance, and portfolio maintenance.
• Maintain strong customer relationships through proactive communication and responsiveness.
• Assist lending officers in providing exceptional customer service and relationship retention.
• Participate in customer meetings when requested.
• Support timely and accurate resolution of customer requests and inquiries.

Leadership and Team Support

• Provide day-to-day guidance and workflow coordination for Loan Assistants supporting assigned lending relationships.
• Coordinate the timely collection of financial information, due diligence items, and loan documentation necessary for underwriting and portfolio management activities.
• Assist in prioritizing workflow to ensure annual reviews, renewals, new loan requests, and portfolio maintenance activities are completed timely.
• Share technical knowledge and best practices with Loan Assistants, Portfolio Manager I employees, and lending staff.
• Assist in training and mentoring less experienced personnel.
• Review work products and provide guidance to less experienced employees when requested.
• Support workflow coordination and process improvement initiatives.
• Assist management with portfolio reporting, special projects, and market initiatives as assigned.

Success Factors
A successful Loan Portfolio Manager II will:

• Independently perform portfolio management, credit administration, and underwriting support responsibilities with minimal supervision.
• Demonstrate sound credit judgment and risk awareness.
• Maintain strong portfolio quality and credit administration standards.
• Successfully support credit approval and portfolio management activities.
• Build trusted relationships with customers, lending officers, and internal partners.
• Actively participate in community engagement activities that enhance the Bank’s visibility and reputation.
• Serve as a professional representative of the Bank within the communities served.
• Support the development of junior lending and portfolio management personnel.
• Consistently exemplify the Bank’s commitment to customer service, relationship banking, and community involvement.

      Required Skills/Qualifications:

• Strong analytical, organizational, and problem-solving skills.
• Ability to independently manage multiple priorities and deadlines.
• Exceptional customer service and relationship management skills.
• Strong verbal and written communication skills.
• Ability to read, analyze, and interpret tax returns, financial statements, cash flow analyses, and related financial information.
• Strong understanding of commercial lending structures, collateral analysis, covenant monitoring, and credit administration.
• Working knowledge of banking policies, procedures, laws, and regulations.
• Proficiency in bank systems, financial analysis software, and Microsoft Office applications.             

       
Work Environment
This position operates in a professional environment.  This position routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines. 
 
Physical Demands
The physical demands described here are representative of those that must be met be an employee to successfully perform the essential functions of this job.

1. The employee will frequently sit or stand for extended periods of time and must be able to remain in a stationary position.
2. The employee will frequently move about inside the office setting to access office equipment, file cabinets, etc.
3. The employee will frequently communicate and interact with bank staff and customers and must be able to exchange accurate information.
4. The employee will occasionally be required to move bank/office equipment weighing up to 50 pounds across premises.

 
Position Type
This is a full-time position.
  
Preferred Education and Experience:

• Bachelor's degree in Finance, Accounting, Business, or related field preferred.
• Minimum five (5) years of commercial banking experience.
• Minimum three (3) years of experience in commercial credit analysis, underwriting, portfolio management, or related lending functions.
• Experience with commercial real estate, construction lending, equipment finance, lines of credit, and owner-occupied commercial lending.
• Demonstrated ability to independently manage commercial credit relationships and annual review responsibilities.

            
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employees for this job.  Duties, responsibilities and activities may change at any time with or without notice.

All qualified applicants will receive consideration for employment and will not be discriminated against on the basis of race, color, religion, sex (including pregnancy) age, national origin, disability, genetic information, protected veteran status, or protective hairstyle and any other characteristic protected by federal, state or local laws.

A disabled individual requiring reasonable accommodation shall not be denied the opportunity due to a disability. The applicant should contact Human Resources if reasonable accommodation is required during the application process at (817-752-2303)

All offers for employment with NBT Financial Bank are contingent upon the candidate having successfully completed a criminal background check. NBT Financial Bank will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state, and Federal law, including Section 19 of the Federal Deposit Insurance Act.
NBT Financial Bank is an equal opportunity/disability/protected veteran status employer

If interested please email resume to nbthrdept@nbt.bank.