Portfolio Manager/Analyst

Position Title:

Portfolio Manager/Analyst

Exempt Status:

Non-Exempt, Full Time

Reports to:

Commercial Relationship Manager

Location:

Dallas

Benefits:

• Medical, Prescription Drugs, Dental, and Vision Insurance
• Insurance Eligibility for Team Members and Dependents Starting on the First Day of Employment
• 401(k) with a Match
• Basic, Voluntary, and Dependent Life Insurance
• Paid Time Off
• Paid Bank Holidays
• Workplace Wellness Programs
• Employee Assistance Programs
• Tuition Reimbursement

Summary of the Job: Contributes to a team that is responsible for a portfolio of complex commercial real estate relationships to ensure retention and expansion of existing client relationship; grow total client assets and enable the net growth in relationships. Primary performance responsibilities include monitoring existing relationships to ensure compliance and analyze for non-compliance; analyze financial data to determine the merits of loan requests and recommend structure, as well as identifying cross selling/referring opportunities to other deposit loan and investment service groups. The Portfolio Manager will maintain loans and deposits, fee income and referrals of business.

Essential Functions:

• Ensure client satisfaction by responding promptly to customer inquiries and requests and coordinating activities of appropriate personnel to resolve issues.
• Maintain a strong knowledge base of bank policies, procedures, loan products, and pricing.
• Work with Lending group to ensure corrective actions are taken regarding watch lists, administrative loan, non-accrual or charge-off.
• Monitoring, obtaining and reviewing the team's portfolio for documentation required by loan documents, exceptions, maturities, delinquencies and NSFs.
• Clearing exceptions after obtaining proper approval and completed proper documentation.
• Preparing internal Compliance Certificates, including covenant calculations to ensure compliance with loan covenants and preparation of necessary approvals and documents to clear or enforce covenants.
• Prepare CRF's to extend maturities.
• Work with customers and loan operations to clear delinquencies and NSFs
• Builds departmental files on shared drive.
• Coordinates and facilitates closing of all loans with customer and internal departments.
• Coordinates and facilitates draws/advances (including inspections) of all loans with customer and internal departments.
• Coordinates and facilitates payments, wires and invoices of all loans with customers and internal departments.
• Coordinates and works with internal departments and customers to open, close and manage loan and deposit accounts.
• Key Results Area include: relationship banking, retention, asset quality, demand deposits, other commercial deposits, fee income, and loans.
• Understands and agrees to abide by the policies and procedures established at Southside Bank.
• Must comply with all applicable laws and regulations.
• Performs duties in compliance with applicable laws and regulations, including but not limited to the Bank Secrecy Act (BSA) and related anti-money laundering laws, and in accordance with the Bank's Information Security Program.
• Maintains a positive and caring atmosphere for customers and employees consistent with the Southside Bank's mission and philosophy.
• Provides enthusiastic, professional, and courteous service to Southside Bank customers and employees.
• Maintains the security and confidentiality of pertinent information and records.
• Continues professional development through training, seminars, membership in professional associations, as applicable.

Additional Functions:

• Participates in special projects and all administrative duties as assigned.
• Performs additional duties as assigned or directed.

Required Education/Experience:

• Bachelor's degree (B. A.) from four-year College or university in Business, Finance, Accounting or equivalent education and experience.
• 5 to 7 years lending experience to include formal credit training preferred.

Necessary Skills:

• Strong knowledge of non-borrowing products, excellent customer service and sales skills.
• Underwriting experience, banking experience and familiarity with financial services products are helpful.
• Knowledge of bank policies, guidelines and processes. Knowledge of federal and state lending regulations governing commercial lending.
• Must be detailed oriented and have strong organizational/analytical skills.

Physical Activity/Dexterity:

• Manual dexterity sufficient to reach/handle items and work with fingers. Works with fingers and perceives attributes of objects and materials.

Physical Environment Demands:

• Must be able to remain in a stationary position 90% of the time.
• The person in this position needs to occasionally move about inside the office to visit other offices, conference rooms, office machinery, etc.
• Constantly operates a computer and other office productivity machinery, such as a calculator, copy machine, and telephone.
• Constantly positions self to operate on a computer.
• The person in this position frequently communicates with other people throughout each day. Must be able to exchange accurate information when conversing.

Working Conditions/Environment:

• Well-lighted, heated and/or air-conditioned indoor office setting with adequate ventilation.
• Moderate noise (e.g. business office with computers and printers, light traffic).

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)