Job details |
||||||||||||||||||||||||||||||||
|
Offer: Commercial Portfolio Manager:Job description:
Commercial Portfolio ManagerOverviewHudson Valley Credit Union is currently recruiting for a Commercial Portfolio Manager. The prosperous candidate will supervise all HVCU commercial lending portfolio management functions including the thorough review of all loans upon their initial acquisition, continuing expansion, and overall retention. To further include direct member calls and follow up needed to ensure commercial loan files are complete and up to date for annual reviews. Conduct site visits and meetings with members, as needed. Responsibilities » supervise and manage the commercial loan portfolio, ensuring compliance with all significant lending laws, regulations and HVCU’s lending policies. Monitor the performance of existing loans and analyzing renewals. » Ensure the collection of required information needed for all commercial loan portfolio maintenance. Support Commercial Loan agents with loan modification (rate/guarantor etc) requests Work closely with internal teams, risk management/collections/legal/underwriting, to facilitate the lending process. » Evaluate credit of potential borrowers through analysis of financial statements, market trends, and other factors to assess risk and determine appropriate lending terms. » Track market trends and economic activity to identify opportunities and risks within the portfolio. » Proactively develop and maintain relationships with members and offer solutions that align to their business goals. Ensure ballooning mortgages and expiring lines of credit are contacted for retention. » Provide regular updates/reports to Loan Origination and Commercial Lending management, as required. » Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained expertise. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional tasks and special projects as assigned. » Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism. » Responsible for regular and predictable attendance including punctuality. Qualifications » Bachelor’s Degree in Business or other applicable field is preferred. » Minimum 5 Years practice with commercial/business lending is required. » Work history in a Credit Union or Financial Institution is preferred. Why choose HVCU? HVCU cares for our employees, members, and community. We actively seek to create an inclusive workforce by hiring people with diverse perspectives and practices. We celebrate and embrace what makes each of us different and foster an environment where everyone feels that they belong. In commitment to our diversity, equity, and inclusion mission, we encourage members of historically underrepresented communities to apply, including those who identify as women, minorities, veterans, disabled and LGBTQ+. Employee Perks: » HVCU University & Academy; Professional Development Training » Student Loan Repayment & Tuition Reimbursement Programs » Medical, Dental, and Vision coverage (coverage starting as low as $20 per month) » 401(k) with employer match and non-elective employer contribution » Paid time off (PTO), holidays, and community volunteer time » Life, Short-Term, and Long-Term Discapability Insurance » Discounted Loan Rates & Fees Hudson Valley Credit Union is an AA/EEO employer committed to equal opportunity and employee diversity. All qualified candidates will receive consideration for employment without regard to race, color, religion, sex, age, sexual orientation, gender identity, the status of being transgender, national origin, discapability, military or veteran status, genetic information, marital or familial status, domestic violence victim status, or any other characteristic protected by law. » Bachelor’s Degree in Business or other applicable field is preferred. » Minimum 5 Years practice with commercial/business lending is required. » Work history in a Credit Union or Financial Institution is preferred. Why choose HVCU? HVCU cares for our employees, members, and community. We actively seek to create an inclusive workforce by hiring people with diverse perspectives and practices. We celebrate and embrace what makes each of us different and foster an environment where everyone feels that they belong. In commitment to our diversity, equity, and inclusion mission, we encourage members of historically underrepresented communities to apply, including those who identify as women, minorities, veterans, disabled and LGBTQ+. Employee Perks: » HVCU University & Academy; Professional Development Training » Student Loan Repayment & Tuition Reimbursement Programs » Medical, Dental, and Vision coverage (coverage starting as low as $20 per month) » 401(k) with employer match and non-elective employer contribution » Paid time off (PTO), holidays, and community volunteer time » Life, Short-Term, and Long-Term Discapability Insurance » Discounted Loan Rates & Fees Hudson Valley Credit Union is an AA/EEO employer committed to equal opportunity and employee diversity. All qualified candidates will receive consideration for employment without regard to race, color, religion, sex, age, sexual orientation, gender identity, the status of being transgender, national origin, discapability, military or veteran status, genetic information, marital or familial status, domestic violence victim status, or any other characteristic protected by law. » supervise and manage the commercial loan portfolio, ensuring compliance with all significant lending laws, regulations and HVCU’s lending policies. Monitor the performance of existing loans and analyzing renewals. » Ensure the collection of required information needed for all commercial loan portfolio maintenance. Support Commercial Loan agents with loan modification (rate/guarantor etc) requests Work closely with internal teams, risk management/collections/legal/underwriting, to facilitate the lending process. » Evaluate credit of potential borrowers through analysis of financial statements, market trends, and other factors to assess risk and determine appropriate lending terms. » Track market trends and economic activity to identify opportunities and risks within the portfolio. » Proactively develop and maintain relationships with members and offer solutions that align to their business goals. Ensure ballooning mortgages and expiring lines of credit are contacted for retention. » Provide regular updates/reports to Loan Origination and Commercial Lending management, as required. » Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained expertise. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional tasks and special projects as assigned. » Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism. » Responsible for regular and predictable attendance including punctuality. Skills:
|
||||||||||||||||||||||||||||||||
|