C&I Portfolio Manager
Job DescriptionEAGLEBANK Overview:
Eagle Bancorp, Inc.
headquartered in Bethesda, MD, was incorporated in 1997 to serve as the bank holding company for EagleBank.
Eagle Bancorp is a publicly traded company under the symbol EGBN.
EagleBank commenced banking operations on July 20, 1998, and currently operates 20 banking offices:
six in Suburban, Maryland, five located in the District of Columbia; and nine in Northern Virginia.
The Bank was founded to specifically address the business and personal needs of local business owners.
It has been answering and exceeding those needs for over 20 years, providing custom financial solutions, local access to senior management, quick response, local decision-making, and a deeply-rooted dedication to the local community.
Our Mission is to be the most respected and profitable community bank by putting relationships first to the delight of our customers, employees, and shareholders, and relentlessly deliver the most compelling service and value.
Eagle Bank's Values are:
Relationships F I R S T:
Flexible, Involved, Responsive, Strong, and Trusted.
GENERAL
Summary:
The Portfolio Manager II, in conjunction with one or more C Relationship Managers (RM), actively manages, services and grows each assigned loan portfolio.
The Portfolio Manager II, under limited oversight, drives the credit process by facilitating the collection of financial information from clients and prospects, overseeing the credit analysis and underwriting of credit, preparing and submitting credit packages for the approval of new loans and for the renewal of existing loans, working with the Relationship Manager(s) to draft term sheets/loan proposals, reviewing loan documents, both internally and attorney prepared, for accuracy prior to loan closing and the day-to-day management of upcoming maturities, past dues and documentation exceptions.
MAJOR DUTIES AND
Responsibilities:
Takes independent responsibility for the credit process.
Ensures that all loans are reviewed or renewed prior to the maturity or reaffirmation date.
Proactively engages the bank's Credit Department to coordinate the credit analysis and underwriting of loan transactions.
Maintains timeliness and accuracy of credit analysis and underwriting work product.
Ensures the accuracy of credit packages prior to completion and submission to the appropriate approver.
Actively escalates any credit quality issues or deficiencies within 24 hours of identification.
Maintains consistent customer contact (Owner, Principal, Controller, CFO, or CEO), to obtain requisite credit information.
Coordinates with internal and external parties (appraisers, environmental engineers, attorneys, title companies) to close and modify loan transactions.
Works with the relationship team to mitigate past dues and exceptions.
Reviews and signs off on advance requests and borrowing base reports.
Participates on phone calls and/or face to face meetings with prospective and existing clients.
Required Education/
Experience:
HS Diploma or equivalentBachelor's Degree in Business Administration, Finance, Accounting or related field required; 4 additional years of commercial credit underwriting and analysis experience may be substituted for bachelors degree.
Completion of formal or in-house credit training required; OR advanced degree such as CPA or MBA accepted in lieu of formal credit and experience3 years of commercial credit analysis, portfolio management and customer service experience required; advanced degree accepted in lieu of work experiencePreferred Education/
Experience:
Experience structuring and pricing loan transactions to achieve organizational goals preferred.
Required Certifications, Licenses or systems needed:
Good communication skillsGeneral knowledge of credit underwriting, including cash flow and collateral analysisProficiency in Microsoft Word, Excel and Outlook.
Preferred Knowledge & Skills:
Bank product knowledge preferredRequired Knowledge & Skills:
Proficient in credit underwriting, including cash flow and collateral analysisProven ability to identify sales opportunities withing a commercial loan environmentIntermediate skill level in Microsoft Word, Excel and Outlook.
Familiarity with bank Customer Relationship Management (CRM) systemsWorking knowledge of Moody's Risk Analyst or equivalentPreferred Knowledge & Skills:
Knowledge of Asset Based Lending, Government Contract Lending, and/or Special AssetsBank product knowledge preferredEagleBank also recognizes the challenges its employees currently face in a post-Covid world.
We understand the need to be creative and flexible when it comes to telecommuting and other alternative work arrangements.
Since the pandemic started, EagleBank has prioritized the health and safety of its employees, and this position is eligible for our hybrid remote work program which currently allows eligible employees to work from home two days a week.
Estimated Salary: $20 to $28 per hour based on qualifications.
Eagle Bancorp, Inc.
headquartered in Bethesda, MD, was incorporated in 1997 to serve as the bank holding company for EagleBank.
Eagle Bancorp is a publicly traded company under the symbol EGBN.
EagleBank commenced banking operations on July 20, 1998, and currently operates 20 banking offices:
six in Suburban, Maryland, five located in the District of Columbia; and nine in Northern Virginia.
The Bank was founded to specifically address the business and personal needs of local business owners.
It has been answering and exceeding those needs for over 20 years, providing custom financial solutions, local access to senior management, quick response, local decision-making, and a deeply-rooted dedication to the local community.
Our Mission is to be the most respected and profitable community bank by putting relationships first to the delight of our customers, employees, and shareholders, and relentlessly deliver the most compelling service and value.
Eagle Bank's Values are:
Relationships F I R S T:
Flexible, Involved, Responsive, Strong, and Trusted.
GENERAL
Summary:
The Portfolio Manager II, in conjunction with one or more C Relationship Managers (RM), actively manages, services and grows each assigned loan portfolio.
The Portfolio Manager II, under limited oversight, drives the credit process by facilitating the collection of financial information from clients and prospects, overseeing the credit analysis and underwriting of credit, preparing and submitting credit packages for the approval of new loans and for the renewal of existing loans, working with the Relationship Manager(s) to draft term sheets/loan proposals, reviewing loan documents, both internally and attorney prepared, for accuracy prior to loan closing and the day-to-day management of upcoming maturities, past dues and documentation exceptions.
MAJOR DUTIES AND
Responsibilities:
Takes independent responsibility for the credit process.
Ensures that all loans are reviewed or renewed prior to the maturity or reaffirmation date.
Proactively engages the bank's Credit Department to coordinate the credit analysis and underwriting of loan transactions.
Maintains timeliness and accuracy of credit analysis and underwriting work product.
Ensures the accuracy of credit packages prior to completion and submission to the appropriate approver.
Actively escalates any credit quality issues or deficiencies within 24 hours of identification.
Maintains consistent customer contact (Owner, Principal, Controller, CFO, or CEO), to obtain requisite credit information.
Coordinates with internal and external parties (appraisers, environmental engineers, attorneys, title companies) to close and modify loan transactions.
Works with the relationship team to mitigate past dues and exceptions.
Reviews and signs off on advance requests and borrowing base reports.
Participates on phone calls and/or face to face meetings with prospective and existing clients.
Required Education/
Experience:
HS Diploma or equivalentBachelor's Degree in Business Administration, Finance, Accounting or related field required; 4 additional years of commercial credit underwriting and analysis experience may be substituted for bachelors degree.
Completion of formal or in-house credit training required; OR advanced degree such as CPA or MBA accepted in lieu of formal credit and experience3 years of commercial credit analysis, portfolio management and customer service experience required; advanced degree accepted in lieu of work experiencePreferred Education/
Experience:
Experience structuring and pricing loan transactions to achieve organizational goals preferred.
Required Certifications, Licenses or systems needed:
Good communication skillsGeneral knowledge of credit underwriting, including cash flow and collateral analysisProficiency in Microsoft Word, Excel and Outlook.
Preferred Knowledge & Skills:
Bank product knowledge preferredRequired Knowledge & Skills:
Proficient in credit underwriting, including cash flow and collateral analysisProven ability to identify sales opportunities withing a commercial loan environmentIntermediate skill level in Microsoft Word, Excel and Outlook.
Familiarity with bank Customer Relationship Management (CRM) systemsWorking knowledge of Moody's Risk Analyst or equivalentPreferred Knowledge & Skills:
Knowledge of Asset Based Lending, Government Contract Lending, and/or Special AssetsBank product knowledge preferredEagleBank also recognizes the challenges its employees currently face in a post-Covid world.
We understand the need to be creative and flexible when it comes to telecommuting and other alternative work arrangements.
Since the pandemic started, EagleBank has prioritized the health and safety of its employees, and this position is eligible for our hybrid remote work program which currently allows eligible employees to work from home two days a week.
Estimated Salary: $20 to $28 per hour based on qualifications.
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