<p>Summary: The Portfolio Manager for Commercial Middle Market Banking plays a critical role in managing and optimizing the bank's portfolio of commercial loans and credit products tailored for middle-market clients. This position is responsible for analyzing market trends, assessing credit risk, and developing strategies to enhance portfolio performance while ensuring compliance with regulatory standards. The successful candidate will collaborate closely with relationship managers to identify opportunities for growth and to provide tailored financial solutions that meet client needs. Additionally, the Portfolio Manager will monitor the performance of existing loans, making recommendations for adjustments as necessary to mitigate risk and maximize returns. Ultimately, this role is pivotal in driving the bank's profitability and maintaining strong client relationships within the middle market segment.</p> <p>Duties and Responsibilities:</p> <ul> <li>Understands and complies with requirements of all laws and regulations applicable to the position </li><li>Daily management of assigned commercial portfolios </li><li>Maintain commercial loan files in partnership with assigned Commercial Banker(s) to ensure documentation is organized and complete in electronic files for third party reviewers as needed </li><li>Responsible for ordering third party reports as assigned in commercial work processes to ensure compliance with FFB policies, guidelines, procedures and all regulatory compliance as needed </li><li>Review and resolve a variety of customer problems / issues regarding bank products and services </li><li>Monitors ongoing borrower compliance with loan covenants and financial reporting requirements on all assigned loans </li><li>Responsible for ensuring that approved loans adhere to the Bank's credit policies and procedures </li><li>Ensure that all aspects of requested credit accommodation meet regulatory requirements and achieve profitable loan objectives, which have a significant impact to the Bank's profitability </li><li>Direct the write-ups of loan approval memos </li><li>Responsible for drafting Commitment Letters; ensure that the terms and conditions of the loan approval are accurately reflected </li><li>Maintain a complete understanding of the Bank's lending objectives, its credit policies and procedure, and the underwriting process, as well as various Bank lending products; this includes but is not limited to Share National Credits, Mortgage Servicing Rights, Business Lines of Credit (both term and revolving), Business Equipment Loans and Lines, and Owner Occupied Commercial Real Estate Loans and SBA Loans and Lines </li><li>Evaluate the credit worthiness of prospective Borrower(s) and any and all Guarantor(s) and present facts to Commercial Bankers </li><li>Conduct property inspections of proposed collateral to satisfy any questions or doubts raised in the underwriting process as needed </li><li>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 </li><li>Promote and provide excellent customer service by effectively communicating and cooperating with all internal and external customers </li><li>Provide support in the acquisition of new clientele and the maintenance of existing relationships; promote close working relationships with clients </li><li>Have thorough understanding and speak knowledgably about the various loan programs, loan procedures, and loan forms </li><li>Cross sells the Bank's numerous wholesale and retail Bank products where applicable </li><li>Perform other duties as assigned </li></ul> <p>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 accommodation may be made to enable individuals with disabilities to perform essential functions.</p> <p>Education and/or Experience:</p> <ul> <li>High School diploma or equivalent required; Bachelor's degree in business administration or financial field preferred </li><li>Minimum of 7 to 10 years of lending experience and credit analysis training at a financial institution </li><li>Must have strong knowledge of credit analysis, to include real property analysis and valuation, real estate lending, commercial loan underwriting and financial and credit analysis </li></ul> <p>Skills:</p> <ul> <li>Must be able to comprehend, analyze, and interpret information regarding financial statements, tax returns, and other information for the more complicated commercial loan transactions </li><li>Must be familiar with business entity documentation including partnership agreements, trust agreements, corporate documentation and limited liability companies </li><li>Must have expertise in dealing with borrowers, have strong customer service ethics, and team building skills </li><li>Must have a strong understanding of accounting principles </li><li>Must be self-motivated with the ability to prioritize, organize, analyze, and produce in a high-volume, deadline driven production work group </li><li>Must possess effective verbal and written communication skills </li><li>Proficiency in Windows applications, including Microsoft Word, Excel, and Outlook </li></ul> <p>Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.</p> <p>While performing the duties of this job, the employee is regularly required to sit for long periods of time; use hands to operate controls on a computer; reach with hands and arms for phone and computer work; and 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.</p> <p>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.</p>