FIRST FOUNDATION BANK
Corporate Banking Portfolio Manager II
FIRST FOUNDATION BANK, Irvine, California, United States, 92713
Summary:
This position is responsible for the daily management of assigned commercial portfolios.
Duties and Responsibilities:
Daily management of an assigned corporate loan portfolio, focusing on structured finance, asset-based lending, and other complex credits.
Preparing Preflight Memos, Term Sheets, and Commitment Letters as necessary.
Engaging 3rd parties such as Legal, Collateral Reviewers, and Consultants as needed.
Communicating with Clients to negotiate covenants, interest rates, fees, and all other loan terms and structures on behalf of the Bank.
Responsible for adherence to all compliance programs and the completion of all required and assigned training by established due dates.
May attend and represent FFB in various syndication opportunities and other Lender meetings.
Cross-sell the Bank’s numerous wholesale and retail Bank products where applicable.
Accurate and timely review of borrower financial statements.
Maintain commercial loan files to ensure documentation is organized and complete in electronic files for third-party reviewers as needed.
Monitors ongoing borrower compliance with loan covenants and financial reporting requirements on all assigned loans.
Ensure that all aspects of requested credit accommodations meet regulatory requirements and achieve profitable loan objectives, which have a significant impact on the Bank’s profitability.
Maintain a complete understanding of the Bank’s lending objectives, its credit policies and procedures, and the underwriting process, as well as various Bank lending products; this includes but is not limited to Shared National Credits, Mortgage Servicing Rights, Business Lines of Credit, Business Equipment Loans and Lines, and Owner Occupied Commercial Real Estate Loans.
Evaluate the creditworthiness of prospective Borrower(s) and all Guarantor(s) and present facts to the Corporate Banking Director and Regional Credit Officer.
Recommend approval of loans, declination of loans, or required changes in the amount, interest rate, or loan structure to ensure conformity with the Bank’s credit policy.
Have a thorough understanding and speak knowledgeably about the various loan programs, loan procedures, and loan forms.
Understand and comply with the requirements of all laws and regulations applicable to the position.
Responsible for ensuring that approved loans adhere to the Bank’s credit policies and procedures.
Perform other duties as assigned.
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 essential functions.
Education and/or Experience:
High School diploma or equivalent required; Bachelor’s degree in business administration or financial field preferred.
Minimum 3 to 5 years of lending experience and credit analysis training at a financial institution, including loan documentation, and defining/assessing credit risk.
Must have strong knowledge of credit analysis, including real property analysis and valuation, real estate lending, commercial loan underwriting, and financial and credit analysis.
Skills:
Must be able to comprehend, analyze, and interpret information regarding financial statements, tax returns, and other information for more complicated commercial loan transactions.
Must be familiar with business entity documentation, including partnership agreements, trust agreements, corporate documentation, and limited liability companies.
Must have a strong understanding of accounting principles.
Must be self-motivated with the ability to prioritize, organize, analyze, and produce in a high-volume, deadline-driven production workgroup.
Must possess effective verbal and written communication skills.
Proficiency in Windows applications, including Microsoft Word, Excel, and Outlook.
Physical Demands:
The physical demands described here are representative of those that must be met by an employee to perform the essential functions of this job successfully. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.
While performing the duties of this job, the employee is regularly required to sit for long periods; use hands to operate controls on a computer; reach with hands and arms for phone and computer work; to communicate on the phone wearing a headset for extended periods. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. This job description is subject to change at any time.
First Foundation is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with a disability, sexual orientation, gender identity, or any other characteristic protected by law.
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This position is responsible for the daily management of assigned commercial portfolios.
Duties and Responsibilities:
Daily management of an assigned corporate loan portfolio, focusing on structured finance, asset-based lending, and other complex credits.
Preparing Preflight Memos, Term Sheets, and Commitment Letters as necessary.
Engaging 3rd parties such as Legal, Collateral Reviewers, and Consultants as needed.
Communicating with Clients to negotiate covenants, interest rates, fees, and all other loan terms and structures on behalf of the Bank.
Responsible for adherence to all compliance programs and the completion of all required and assigned training by established due dates.
May attend and represent FFB in various syndication opportunities and other Lender meetings.
Cross-sell the Bank’s numerous wholesale and retail Bank products where applicable.
Accurate and timely review of borrower financial statements.
Maintain commercial loan files to ensure documentation is organized and complete in electronic files for third-party reviewers as needed.
Monitors ongoing borrower compliance with loan covenants and financial reporting requirements on all assigned loans.
Ensure that all aspects of requested credit accommodations meet regulatory requirements and achieve profitable loan objectives, which have a significant impact on the Bank’s profitability.
Maintain a complete understanding of the Bank’s lending objectives, its credit policies and procedures, and the underwriting process, as well as various Bank lending products; this includes but is not limited to Shared National Credits, Mortgage Servicing Rights, Business Lines of Credit, Business Equipment Loans and Lines, and Owner Occupied Commercial Real Estate Loans.
Evaluate the creditworthiness of prospective Borrower(s) and all Guarantor(s) and present facts to the Corporate Banking Director and Regional Credit Officer.
Recommend approval of loans, declination of loans, or required changes in the amount, interest rate, or loan structure to ensure conformity with the Bank’s credit policy.
Have a thorough understanding and speak knowledgeably about the various loan programs, loan procedures, and loan forms.
Understand and comply with the requirements of all laws and regulations applicable to the position.
Responsible for ensuring that approved loans adhere to the Bank’s credit policies and procedures.
Perform other duties as assigned.
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 essential functions.
Education and/or Experience:
High School diploma or equivalent required; Bachelor’s degree in business administration or financial field preferred.
Minimum 3 to 5 years of lending experience and credit analysis training at a financial institution, including loan documentation, and defining/assessing credit risk.
Must have strong knowledge of credit analysis, including real property analysis and valuation, real estate lending, commercial loan underwriting, and financial and credit analysis.
Skills:
Must be able to comprehend, analyze, and interpret information regarding financial statements, tax returns, and other information for more complicated commercial loan transactions.
Must be familiar with business entity documentation, including partnership agreements, trust agreements, corporate documentation, and limited liability companies.
Must have a strong understanding of accounting principles.
Must be self-motivated with the ability to prioritize, organize, analyze, and produce in a high-volume, deadline-driven production workgroup.
Must possess effective verbal and written communication skills.
Proficiency in Windows applications, including Microsoft Word, Excel, and Outlook.
Physical Demands:
The physical demands described here are representative of those that must be met by an employee to perform the essential functions of this job successfully. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.
While performing the duties of this job, the employee is regularly required to sit for long periods; use hands to operate controls on a computer; reach with hands and arms for phone and computer work; to communicate on the phone wearing a headset for extended periods. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. This job description is subject to change at any time.
First Foundation is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with a disability, sexual orientation, gender identity, or any other characteristic protected by law.
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