• Handle the portfolio of loans to small or medium-sized businesses and perform analysis in compliance with the Bank’s requirements
• Communicate with borrowers efficiently to collect required information
• Perform annual credit reviews of the loans assigned in a timely manner
• Assess proper credit risk and risk ratings to the loans as well as propose and support upgrades or downgrades
• Prepare Critical and Classified (C & C) reports
• Perform impairment analysis of non-performing loans and recommend charge-offs as needed
• Propose and support upgrades or downgrades of loans
• Review daily past-due reports and contact the borrowers who are past due < 30 days
• Coordinate with Portfolio Manager for the borrowers who are past due > 30 days
• Keep proper correspondence log of collection efforts
• Conduct assigned site visits
• Review site-visit tickler report and schedule site visits per the manager’s instruction
• Support internal and/or external examinations
• Create reports related to Portfolio Department
Experience in portfolio management for a community bank, handling CRE, C&I, and/or SBA loans is a plus
Must be authorized to work in the US
