Loan Operations Residential Portfolio Manager - RJ Bank

Essential Duties and Responsibilities

• Maintains loans in servicing system according to pre-established procedures.

• Process amendments/modifications to retail loan accounts.

• Handling escalations via phone/email/contact management system through to resolution.

• Executes on loan servicing responsibilities related to the maintenance and monitoring of retail loans.

• Establishes parallel monitoring processes and controls, as necessary, to ensure regulatory requirements are met.

• Ability to review financial statements, credit reports and applicable ratios.

• Prepares or reviews for accuracy, standard legal documents.

• Monitors securities collateral adequacy and performs margin call steps if necessary.

• Monitors bank portfolio and performs default administration or monitoring of default administration activity, and reporting thereof.

• Assists customers with inquiries, servicing requests, or problems.

• Review/analyze real estate appraisals in connection with modifications/amendments.

• Make recommendations for modifications/collateral releases to Credit Risk.

• Performs supervisory activities, including identifying performance problems and seeking guidance for remedial action; reviewing performance; and participating in interviewing and selecting staff.

• Coaches and mentors subordinates, identifies training needs and recommends development programs.

• Performs other duties and responsibilities as assigned.

Knowledge of

• Fundamental accounting concepts, practices and procedures.

• Multi-state Retail loan servicing practices

• Basic credit underwriting skills

Skill in

• Reviewing and interpreting commercial and retail loan terms and documentation.

• Identifying unusual transaction activity, interest accrual discrepancies and regulatory discrepancies.

• Preparing spreadsheets and creating formulas.

• Preparation of retail loan documents

• Operating standard office equipment and using required software applications to produce correspondence, electronic communication and maintain spreadsheets and databases.

Ability to

• Plan, assign, monitor, review, evaluate and supervise the work of others.

• Coach and mentor others.

• Identify training needs and develop subordinates.

• Identify and recommend changes to standard procedures when required by specific situations and circumstances.

• Identify and recommend solutions to routine loan accounting and loan servicing problems.

• Make routine decisions.

• Incite enthusiasm and influence, motivate and persuade others to achieve desired outcomes.

• Communicate effectively, both orally and in writing, with all organizational levels.

• Organize, manage and track multiple detailed tasks and assignments with frequently changing priorities in a fast-paced, deadline driven, work environment.

• Make outbound, and receive inbound, calls on a recorded Automatic Call Distribution (ACD) telephone line

• Provide a high level of customer service.