Commercial Portfolio Manager II

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At Origin Bank, a job isn't just a paycheck - it's a meaningful journey. We're committed to helping you grow both professionally and personally in an environment where people come first. We offer a competitive total rewards package, including generous benefits and compensation tailored to your skills, experience, and education.

What truly sets us apart is our people-first culture. Here, you'll be supported by unique initiatives like our Dream Manager program, one-on-one guidance from a nationally certified health and wellness coach, and free access to certified financial professionals who are here to help you plan for your future.

If you're looking for a career that empowers you to make meaningful connections, positively impact others, and pursue your personal and professional dreams-we'd love to meet you. Apply today and start the most rewarding chapter of your career with us.

Job Description

Daily management of assigned commercial loan relationships for Commercial Relationship Banker’s (CRB’s), including providing a high level of customer support, obtaining financial and collateral information, monitoring covenant and borrowing base compliance, taking ownership of managing CRB exception lists, assisting in the preparation of the credit approval packages, preparation of term sheets and commitment letters, and documenting and closing requests by performing the following duties.

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Duties and Responsibilities include the following.

• Serves as a client relationship representative to all customers by listening, researching, and complaint/inquiry resolution as needed.
• Provides strong levels of support with minimum supervision to CRBs and the entire lending team on commercial relationships.
• Ensures compliance with legal, regulatory and credit policies on loan documentation, credit approvals and funding, correcting exceptions, and monitoring resolutions.
• Coordinates credit underwriting process and preparation of credit approval packages.
• Monitors loan agreement covenants and borrowing base compliance as well as report exceptions.
• Ensures ongoing timely receipt of financial information consistent with bank policy.
• Proactively ensures expiring credit facilities are re-underwritten and appropriately re-established.
• Consults with Relationship Managers and Credit to make recommendations on risk ratings.
• Reviews equipment and real estate appraisals in conjunction with Relationship Managers.
• Assists with Watch List credits (prepares CARS, communicates with customers regarding reducing credit exposure, paying off or refinancing notes, or rehabbing operational and financial results.
• Inputs loan requests and supporting information into loan processing software
• Develops and administers pre-credit analysis function on credit relationships.
• Assists relationship managers in structuring credits, assessing covenants, and monitoring procedures.
• Performs loan reviews/annual reviews on selected borrowers and guarantors for credit relationships.
• Assists in drafting loan agreements, term sheets, commitment letters, and closing instructions to counsel, as requested by CRBs.
• Identifies and follows up on specific leads offering business development opportunities, promoting the bank’s services (including investment and insurance referrals), placing the prospect in contact with the appropriate bank personnel and following through to determine the results of the meeting.
• Maintains an active role in community affairs by participation in community organizations/projects to improve the bank’s visibility in the area and enhance business opportunities.

Supervisory Responsibilities                                                       

This job has no supervisory responsibilities.

Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience                                                     

Bachelor's degree (B. A.) from four-year college or university; preferably in Finance, Business, Accounting or related field; minimum of three to five years credit analysis and/or lending experience or until candidate has achieved a level of proficiency where minimal guidance from CRB’s and/or Management is required to perform outlined Duties and Responsibilities; working knowledge of federal/state laws related to banking/lending practices; or equivalent combination of education and experience.  Advanced knowledge of credit policies, procedures and terminology preferred.

Physical Demands  While performing the duties of this job, the employee is frequently required to stand; walk; sit; use hands to finger, handle, or feel and talk or hear.  The employee is occasionally required to reach with hands and arms; climb or balance and stoop, kneel, crouch, or crawl.  The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds.  Specific vision abilities required by this job include close vision, distance vision and ability to adjust focus.

Work Environment  The noise level in the work environment is usually moderate.

This job description reflects management's assignment of essential functions.  It does not prescribe or restrict the tasks that may be assigned.  Origin Bank shall, in its discretion, modify or adjust the position to meet the Bank’s changing needs.  This job description is not a contract and may be adjusted as deemed appropriate in the Bank’s sole discretion. 

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Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, pregnancy, genetic information, disability, status as a protected veteran, or any other protected category under applicable federal, state, and local laws. Know Your Rights