About this role
Looking to join a Great Place to Work Employer and become a valued member of our growing team? At SmartBank, we're not just offering a job; we're inviting you to be a part of a culture built on excellence.
Major Duties and Responsibilities:
Core Values & Culture Commitment:
• Uphold SmartBank Core Values and Core Purpose. • Adheres to and embraces the SmartBank Way by Acting Smart, Looking Smart and Being Smart.
Loan Renewal & Portfolio Management
• Lead and manage the loan renewal process for assigned Relationship Managers (RMs) • Maintain a proactive approach to all upcoming maturities using the 30‑60‑90 day maturing report. • Confirm upcoming renewals versus payoffs in partnership with each RM. • Create renewal records in nCino, ideally at least 60 days prior to maturity. • Actively manage all financial exceptions, with priority given to items 90 days or older. • Coordinate with RMs to clarify responsibility for customer outreach related to financial reporting or documentation. • Manage and monitor Earl Whaley insurance reports, with emphasis on past-due items and avoidance of forced‑placed insurance. • On‑Time Renewal Creation: ≥95% of renewals created ≥45 days prior to maturity. • Maturity Review Coverage (30‑60‑90): 100% of loans reviewed with renew or payoff decision. • Past Due Renewals: 0 loans maturing without a renewal or documented payoff. • Renewal Cycle Time: Average ≤45 days from identification to completion Credit and Review Support
• Update and upload financials, spreads, and covenant compliance information, providing RMs with timely status updates. • Complete initial preparation for annual reviews, ensuring accuracy and completeness of required documentation. • Review Preparation Lead Time: Reviews prepared ≥30 days before due date. Financial Exceptions & Covenant Compliance
• Aged Financial Exceptions (>90 days): ≤5% of total exceptions. • Exception Resolution Timeliness: ≥90% resolved within 30 days. • Covenant Tracking Accuracy: ≥95% accurate identification and reporting. • Financial Update Timeliness: ≥95% completed by internal deadlines.
Insurance & Risk Monitoring
• Forced‑Placed Insurance Events: 0 attributable to PM action or inaction. • Past‑Due Insurance Resolution: ≥95% resolved within 15 days. • Insurance Exception Aging: Average outstanding ≤30 days.
Client Servicing & Support
• Assist with need-based inquiries (including Treasury Management, account questions, loan draws, etc.) and direct them to the appropriate internal partner. • Support opening and servicing commercial and private banking accounts, including coordination with Retail when needed. • Provide operational support with wires, ACH, mobile deposit, online banking as needed. • Support the completion of annual account and Treasury Management reviews. General Responsibilities
• Participate in regular weekly meetings with relevant team members to communicate priorities and action items. • Perform additional duties as assigned related to loan process management or client servicing.
Position Requirements and Qualifications:
Education: Bachelor’s degree in business-related field preferred or applicable experience.
Knowledge, Skills, and Abilities:
• Excellent customer service and interpersonal skills. • Ability to apply knowledge and sound judgment in decision-making using established guidelines. • Strong written and oral communication skills. • Detail oriented and ability to function in a team environment. • Demonstrates ability to maintain a positive attitude. • High level of integrity. • Able to maintain regular and predictable attendance. • Must possess the ability to handle multiple tasks simultaneously, with frequent interruptions. • Must be able to able to prioritize and organize daily workflow. • Strong relationship management and business development/sales skills. • Thorough knowledge of bank products and services.
Work Conditions:
• Able to routinely stand, sit, bend and stoop. • Frequently and regularly required movements using wrists, hands, and/or fingers. • Average, ordinary, visual acuity necessary to prepare and inspect documents or products and operate machinery. • Ability to hear average or normal conversations and receive ordinary information. • May be required to travel to training sessions or meetings.