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Portfolio Manager - Bank, Hybrid/ Remote

Company: Heartland Financial Usa, Inc.
Location: Dubuque
Posted on: June 19, 2022

Job Description:

HTLF is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors.

HTLF is a diversified financial services company headquartered in Dubuque, Iowa. We deliver community banking at scale by powering our geographically diverse group of banks with technology, efficiency and strength - giving local decision-making the opportunity and insights to focus on customers and growth. Relationships have been the core of our company since its founding in 1981. We're deeply invested in the communities we serve, and that's why our clients choose us as their banking partners.

What's different about a career at HTLF? We believe our employees and their diverse backgrounds, perspectives and skills are our greatest assets. We wouldn't be HTLF without the people with whom we surround ourselves and empower to enrich the lives of our customers, employees and communities. We're dedicated to making HTLF the best place to work - where your opinions are valued, your feedback and ideas are heard, and your opportunities for personal growth and professional development are endless.

The Portfolio Manager - Bank manages the loan portfolio containing both C&I and CRE middle market credits and assesses credit quality to minimize risk and potential loss. Additionally, this role partners with Commercial Bankers and Commercial Banking Assistants to gather information for proposed transactions for new and existing clients and analyzes the credit data and financial information to initiate the transaction to be underwritten. The Portfolio Manager plays a crucial role in the loan process by examining the financial data and credit history gathered to help make decisions on lending and credit-worthiness.

Primary Responsibilities

* Works with general oversight to appropriately and timely gather information and prepare portions of a Credit Summary Authorization.
* Analyzes borrowing entity documentation to be able to prepare organizational charts and properly translate the information into systems and loan documentation.
* Prepares in-depth analysis of industry conditions, utilizing a wide variety of sources.
* Gathers information, and prepares loan exposure and deposit account data to be input into Credit Summary Authorization.
* Analyzes proposed loan terms and collateral positions and prepares collateral analysis, proposed financial reporting, and financial indicators including documenting the appropriate information in the CSA.
* Prepares financial spreads in accordance with defined guidelines and converts completed spreads into the appropriate format for CSA documentation.
* Runs risk rating analysis, providing the preliminary determination of risk rating.
* Assists Commercial Banking Assistant in obtaining financial reporting from clients.
* Obtains and reviews Compliance Certificates, Borrowing Base Certificates, and associated receivable, payable, and inventory reports on a timely basis.
* Calculates financial ratios and verifies calculations prepared by Borrowers to assure compliance; escalates any covenants that are out of compliance with the supervisor.
* Confirms Borrowing Base calculations and verifies compliance with reporting requirements and requirements as defined in Loan Agreements.
* Prepares Lender Annual Reviews, Problem Loan Reports, and Large Borrower Reports; obtains Commercial Banker input and files report with the Commercial Banking Assistant.
* Obtains financials and updates financial spreads with current financial reporting.
* In partnership with the Commercial Banker, maintains Risk Templates and assures they are up to date.
* Tracks collateral for complex Borrowing Bases and assures values are current and accurate.
* Prepares Credit Summary Authorizations for Additional Authority Approval Requests, 90-day extensions, Immaterial Change in Terms and certain renewals.
* Reviews commercial loan file documentation for accuracy and compliance with approval requirements.
* Assists the Commercial Banker by scheduling, attending, and participating in the Lender Annual Review.
* Conducts business in compliance with bank policies, procedures, federal and state laws and regulations.
* Actively participates in community activities that promote the bank and/or assist in business development, when applicable.
* Completes annual E-Learning Plan and Bank Secrecy Act (BSA) training as assigned and keeps up-to-date knowledge of BSA as it relates to the job function.

Secondary Responsibilities

* Performs other duties as assigned.

Management Responsibilities

* This job has no management responsibilities.


* Bachelors Accounting, Business Administration/Management, Finance, Or Related Field preferred
* 1-3 years 1-3 years of credit experience preferred
* Strong analytical skills and an understanding of general economic theory and accounting as it relates to the lending and business environment. required
* Demonstrated understanding of credit analysis, risk analysis, and accounting and finance principles. required
* General knowledge of commercial and agricultural lending, credit and appropriate banking laws and regulations. required
* Strong attention to detail and ability to notice discrepancies in data. required
* Ability to maintain confidentiality of customer and credit information. required
* Ability to effectively manage competing deadlines for projects in a high-pressure work environment, with varying degrees of supervision. required
* Impeccable understanding of financial statements, ratios, and concepts. required
* Proficient in Microsoft Word, Excel, and Outlook. required
* Experience with PROFITMAX, InfoAccess, CME, AS400/Fiserv or other relevant computer programs. preferred preferred preferred


* Accountability - Thinking and acting ethically, honestly, and with the highest work standards; taking responsibility for your actions and fostering a work environment where accountability is valued.
* Customer Experience/Focus - Going out of the way to anticipate and meet customer needs; remaining knowledgeable and up to date on all products and services of the bank and how to best the help the customer.
* Functional Role Expertise - Knowledgeable and skilled in functional specialty; demonstrating an ability to add organizational value through unique expertise in a functional specialty area.
* Results Oriented - Maintaining an appropriate focus on outcomes and accomplishments motivated by achievement; identifying outcomes as a critical success factor in the bank where there are countless interactions with customers and internal partners.

Scheduled Weekly Hours:


Time Type:

Full time

Keywords: Heartland Financial Usa, Inc., Dubuque , Portfolio Manager - Bank, Hybrid/ Remote, Executive , Dubuque, Iowa

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