The Loan Portfolio Manager is responsible for creating and analyzing loan and economic data reports using internal banking systems (FISERV and Baker Hill) and publicly available economic and demographic data to monitor risk in the loan portfolio.
Studying trends that impact lending and write reports about economic and business changes affecting the existing loan portfolio
Recommending changes to lending strategies based on an assessment of risk tolerance, time horizon, and other considerations
Supporting SVP to create and utilize reports for global analysis of the loan portfolio as well as analysis of various segments of the portfolio (e.g., stress testing, concentration analysis)
Analyzing financial statements to measure the impact of market fluctuations on a borrower's financial position
Set up and report on third-party monitoring of purchased loans, vendors, brokers and other areas of risk as identified
Supporting SVP to develop new lending/purchase strategies based on current trends in the financial markets
Recommending changes to lending/purchasing strategies based on new information or changing market conditions
Gather, review and analyze economic, geographical and industry data, including KPIs, financial reports and other key metrics using data analytics tools
Assisting in the development of monthly packages to be utilized for loan portfolio reporting, including concentration analysis, funding pipelines, loan performance and other analyses
Assist in lending-related audits
Perform other job-related duties or special projects as assigned.
Employees also have a responsibility to understand the Bank's BSA/AML Program, the procedures outlined in it, and to follow the Program and procedures in carrying out their duties. Any employee that fails to adhere to the BSA/AML Program or commits other violations of the Code of Conduct may be subject to disciplinary action up to and including termination.
This position may have supervisory responsibilities.
Required Education & Experience:
Bachelor's degree in business, finance, accounting, economics, or related field
Proven ability to conduct research and data analysis, with keen attention to detail
Experience with loan portfolio management including stress testing
Excellent written and verbal communication skills
Proficiency and advance computer skills including but not limited to proficiency in Microsoft Office (Word, Excel, Power Point, Access, etc.).
Preferred Education & Experience:
3-5 years professional experience in credit underwriting, loan portfolio management, or similar role
MBA or other advanced degree in finance or related field
Experience with FiServ Signature, Baker Hill NextGen, Microsoft PowerBI
Exceptional analytical and quantitative skills
Advanced knowledge of loan portfolio analysis
Ability to apply financial management and analytical skills to influence strategic initiatives and business decisions.
Ability to translate, statistically analyze data and effectively present conclusion in both written and verbal settings.
Essential Job Functions:
The employe occupying this position frequently will be required to analyze and interpret complex data; perform problem resolution; communicate with both internal and external customers and create precise written documentation. The employee must be able to remain in a stationary position 60 percent of the time.
First State Bank of the Florida Keys is an equal opportunity employer which provides equal employment opportunities to all qualified individuals without regard to race, color, religion, gender, age, national origin, citizenship, disability, sexual orientation, marital status or any other basis protected by federal, state or local laws. EOE M/F/V/D
First State Bank of the Florida Keys is a customer-focused bank with a long history of serving, reaching out, and connecting with the community. Founded in 1955 with a single branch in Key West, the Bank has grown and changed, as has the surrounding community, but our core values remain the same. First State Bank of the Florida Keys recognizes that what sets us apart are our people.
Here's why you should join the First State Bank:
Competitive Salary and Hourly Pay Rates
Medical, Dental, Vision, Life, Long-Term Disability plans available
401K Retirement Program with employer matching
Paid Time Off plus Federal Bank Holidays
Profit Sharing Program
Advancement Opportunities with On-the-Job Training