POSITION SUMMARY: The principal functions of the Portfolio Bankerr are to (1) continuously monitor and assess the credit profiles of the customers in her/his assigned portfolio; (2) help retain customer relationships by providing exceptional service; (3) ensure that renewals, extensions and annual reviews are completed in a timely manner; (4) seek ways to enhance customer profitability by continuously looking for cross-sell opportunities; (5) replace runoff and amortization in the portfolio by selling deeper into the book of business and (6) continuously seek referral opportunities from current customers and centers of influence.

PRIMARY RESPONSIBILITIES AND ACCOUNTABILITIES:

1. Manages basic and complex relationships (credits, deposits, and fee based products/services) that require simple to complex analysis
2. Performs or initiates account/loan maintenance as required
3. Acts as liaison for customer inquiries, issues account instructions; redirects questions and requests as necessary if issues relate to other departments
4. Ensures accuracy of information, data, and documentation for all portfolio accounts
5. Actively participates in customer meetings to further the relationship and expand business opportunities
6. For new and renewing loan requests, determines borrower credit-worthiness in accordance with credit policy and manages the request through the appropriate underwriting, approval and closing processes
7. Ensures that loan transactions are properly documented
8. Conducts continuous review and administration of loans
9. Manages enterprise risk for products and services, including depository services and Treasury Management products
10. Reports credit risk issues in a timely manner
11. Proactively reviews existing relationships for product penetration and calls on opportunities (loans, deposits, fees and non-credit products and services); issue proposals as appropriate
12. Identifies and refers business opportunities to internal product partners and other target market business lines
13. Seeks out referrals from existing customers and COI’s

Will need to be able to handle stressful situations and function in a very fast-paced environment while remaining calm and precise. Must have excellent interpersonal and organizational skills and enjoy working with the public. Will need to communicate in a clear, concise, and pleasant manner.

Must be able to meet deadlines, multi-task and adjust priorities as necessary. Must possess strong organizational, analytical, communication, and interpersonal skills, including the ability to work with all levels of management and the Bank’s vendors. Must be a self-starter who challenges existing processes and can identify and implement efficiencies and cost-saving solutions. Will have access to and knowledge of all employees’ accounts, customer information, and the bank’s finances, so the ability to keep information confidential is extremely important.

The employee will be working in an indoor office setting in a light work situation (exerting up to 20 lbs. of force frequently, and/or a negligible amount of force constantly to move objects). Must be able to remain in a stationary position 50% of the time and be able to occasionally move about inside the office to access file cabinets, office machinery, etc. Constantly operates a computer and other office productivity equipment. Employee frequently communicates with employees, customers and vendors. Will be required to travel to branches within region on a weekly basis, so must have a valid driver’s license and reliable transportation. Must be able to exchange accurate information both orally and written in English. Employee will be required to travel to branches located within the region. May, on occasion, have to work longer hours than scheduled.

Education: A high school diploma or GED is required. A 2- or 4- year accounting or business degree or other banking experience is preferred.

Experience: Minimum of 2 years of experience in commercial lending as a credit analyst, underwriting specialist, portfolio manager or relationship manager. General knowledge of financial lending regulations. General knowledge of credit philosophy and policies as well as loan documentation. Strong verbal, written, and interpersonal skills, as well as analytic and problem solving skills. Intermediate knowledge of Microsoft Word, Excel, PowerPoint, Access, and Outlook (e.g. create templates, complete mail merges, insert and edit charts, create basic formulas, create queries).

Ability to quickly make sense of, combine, and organize information into meaningful patterns. Other Skills and Abilities. Strong communication skills. Customer service focused. Maintain confidentiality of customer information. Resourceful, well organized and ability to multitask. Effective problem-solving and decision-making skills. Strong attention to detail.

With the forthcoming merger, Park State Bank will be one of the larger independently owned banks in Minnesota with over one billion dollars in combined assets and a history committed to serving clients and small businesses in Minnesota for over one hundred years. Founded in the Morgan Park neighborhood of Duluth in 1916 and recapitalized by new ownership in 2015, the bank has grown from two locations to now operating sixteen locations, a loan production office, and a successful mortgage division, all located in communities across Minnesota.

We take great pride in our exceptional, high-touch personalized service and commitment to the communities we serve. We are known for treating our clients well and ensuring we make our communities a better place. Our continued growth means more opportunities for our employees, our clients and an ability to give back even more to the communities we serve.

Thanks to our valued clients and our wonderful employees, Park State Bank was named the Top-Performing Community Bank in Minnesota with assets under $3 billion by S&P Global Market Intelligence the last four years (2017, 2018, 2019 and 2020). Additionally, Park State Bank was included on the Minneapolis-St. Paul Business Journal’s Fast 50 List as one of the 50 fastest growing companies in both 2019 and 2020. The future is very bright and our client-centric approach to delivering financial solutions defines the way we do business with clients and small businesses.

Send your resume and cover letter to HR@ambnk.com