Portfolio Manager

We’re Hiring!

Birmingham, AL – Portfolio Manager 

Building relationships since 1921, Citizens Trust Bank is an institution built on a rich history of financial empowerment. Our Bank continues to champion its commitment to providing viable business and consumer money management solutions and personalized service to meet the growing needs of its customers.  Our mission is to empower generations for financial success. 

We are driven to excel and led by our mission of empowerment to prepare generations to secure a financial future. We inspire and execute our institution’s values of INTEGRITY, COLLABORATION, INNOVATION, SERVICE EXCELLENCE, RESPECT, ACCOUNTABILITY and LEADERSHIP to be the keys to our ongoing success.  
 
 Joining our team, you can expect opportunities to enhance personal skills as well as professional growth. As community partners, associates and stakeholders of the bank’s legacy - We Are Citizens Trust Bank and we are united in the achievement of the bank and its mission and objectives. We invite you to be a part of our awesome team. 

If you are interested in this position and meet the qualifications and requirements, please apply at www.ctbconnect.com.  Additionally, if you have any questions, please contact Tawanda Heard at (205) 214-3058.

POSITION SUMMARY:

Responsibilities include but are not limited to the following:

• Performs and examines credit risk, assess credit history to determine credit worthiness of existing and potential bank customers
• Manages a commercial loan portfolio which includes conducting reviews of existing relationships, renewal of maturing loans, cross sales banking solutions and conducts independent annual review of relationships greater than $500M
• Identifies areas of concerns pertaining to a loan and discuss with Lender or Relationship Manager
• Coordinates of information between client and internal departments in the loan process
• Communicates the finalizing loan closing with external closing attorney
• Makes recommendation for structure of commercial loans transactions and assist loan officers in writing loan requests
•  Monitors loan documentation exception reports and follow-up to clear up document exceptions in a timely manner
• Troubleshoots, reports, and manages   activity on delinquent accounts at the various intervals
•  Generate and provides requested reports as necessary on Team’s loan portfolio
• Collaborates and cultivates effective relationships with all business lines to obtain and maintain insight of needs and opportunities to mitigate potential compliance risks; ensures that expectations are met and/or exceeded
• Exceeds all established performance and position’s goals, objectives, and expectations.

Other Duties and Responsibilities:

• Adheres to all policies, procedures, guidelines, expectations, laws, regulations and training requirements.
• Uses good judgment and makes sound business decisions. 
• Demonstrates personal accountability and maintains and handles all confidential, complex, and sensitive matters and information discretely and appropriately.
• Leads initiatives and projects, mitigate risks, adds value, and supports the Bank’s vision, mission core values, business principles, goals, and objectives.
• Attends, assists and participates on bank committees; attends, participates, promotes and represents the Bank at business, professional, and community events, functions, meetings, organizations, associations, programs, and activities to support and broaden Bank’s image and visibility and help increase business development and other related opportunities.
• Demonstrates consistent professional appearance, behavior, image, high level of integrity, ethics and consistent represents the CTB Brand.
• Manages other assigned functions and performs other duties and responsibilities as assigned.

QUALIFICATIONS, SKILLS, ABILITIES:

• Minimum 3 years of experience commercial  underwriting experience in a banking  environment
• Credit underwriting experience is a required.
• Formal credit training is required
• Ability to analyze financial and project statement, corporate and personal tax returns
• Good understanding of basic loan structure 
• Bachelor’s degree in finance, accounting, economics, law, business administration, management or related field 
• Expert level written and verbal communication and diplomacy skills with the ability to communicate clearly, concisely, persuasively, informatively, tactfully and effectively work across all levels of the organization
• Demonstrated ability to use accurate and great judgment, discretion, and reasoning, as well as, make sound business decisions, comprehend and follow directions and instructions
• Highly resourceful team player with excellent presentation, interpersonal, relationship building, leadership, organizational, and in-depth supervisory skills are essential
• Possess the ability to readily analyze and interpret government regulations, assess and articulate complex problems and solutions; strong analytical, technical, problem resolution, project management, strategic and critical/logical thinking, research and negotiation skills
• Digital and technology-savvy and proficient in using advanced Microsoft Office (Excel, Word, PowerPoint, etc.) and Google Suite, with the ability to implement innovative solutions; strong knowledge and understanding of compliance and fraud prevention related management, monitoring and reporting systems and the FIS Horizon core banking system 
• Must be a self-starter who is self-motivated and directed with the ability to resolve compliance problems, produce accurate and organized work with minimum supervision, handle multiple tasks; goal oriented with the ability to produce quality results, meet all established goals, objectives, deadlines, and expectations; ability to comply with all bank policies, procedures, regulations, and laws
• Excellent quality customer service and telephone skills with a genuine interest in serving customers and the ability to collaborate and build good cross-functional business relationships
• Outgoing and trustworthy with the ability to effectively handle and maintain confidential matters and information
• Demonstrated ability to conduct and facilitate effective meetings and compliance training classes
• Ability to work independently in a fast paced, high performance and changing environment, and must be able to adapt to change
• Must be able to demonstrate and maintain a positive composure and consistently demonstrate professional appearance, demeanor, image, and consistently represents the CTB Brand
• Ambitious with a strong work ethic and high integrity, positive behavior, ability to work both independently and as part of a team in a collaborative environment; detailed-oriented with excellent time management and strategic planning skills
• Exceptional creativity with the ability to prioritize work and meet deadlines
• Must be mature, flexible and energetic with a competitive and winning spirit

• Assertive and demonstrates initiative with the ability to work through challenging situations and find win-win solutions
• Ability to travel to all locations as needed 

Citizens Trust Bank is committed to investing in our employees, cultivating a rewarding professional team and results-oriented work environment that is based on respect, accountability, and high-quality performance.  We offer competitive compensation and a comprehensive employee benefits package for our full-time employees.  Our benefits package includes the following: