Portfolio Manager II - Faith Based Division (Colorado Springs - Onsite) - Cass Commercial Bank

PRINCIPAL RESPONSIBILITIES AND DUTIES: 

• Performs the credit underwriting function in accordance with credit policy. These duties include, but are not limited to:

• Partners with the RM to interviews clients and prospective clients to obtain information concerning their organization’s needs, abilities, capacity, leadership, and growth plans.  Information may be obtained by direct inspection of prospect’s operation and property. 
• Together with the RM, analyzes all available financial information, growth plans, economic trends, leadership (including background checks), and guarantors to determine whether a credit relationship may be an acceptable risk within bank policy.

• Conducts credit checks on businesses and individuals including searches in LexisNexis and Case Net.

• Working with the RM, assures appropriate real estate or equipment appraisals and environmental studies are ordered from Credit Administration in accordance with regulatory requirements.

• In a shared responsibility with the RM, writes the underwriting memo and coordinates the production of the Loan Approval Request (LAR) with the Credit Department
• Together with the RM, recommends appropriate loan structures consistent with risk parameters and loan policy, determines the loan grade on new clients and recommend changes to loan grade for existing clients as their financial condition changes.
• Coordinates the loan documentation process by gathering all organizational documents, relevant personal information and additional information (title work, etc.) for use by loan services department.  Prepares on-boarding forms (LDS) as needed.
• Participates in presentations to Cass management to obtain approval and to the Executive Loan Committee for review of credit extensions.
• Monitors existing credit relationships to insure compliance with terms of the Loan Agreement and to recognize and act on any developing trends. Reviews loan quality through statement analysis including a comparison of operating ratios to industry standards, cashflow, and collateral analysis.  Together with the RM, recommend loan grade changes when appropriate and when necessary, recommend loans for placement on the Loan Monitor List.
• Creates detailed records and reports of activities by timely entering information into the bank’s CRM system (Salesforce).
• Continually looks for opportunities to proactively upgrade and improve CCB’s administrative processes, automation and controls.
• Assists Cass Information Systems, Inc. (CIS) business units in identifying and managing risks related to client product and services offerings.
• Assumes additional responsibilities, as required or assigned.

 SKILLS AND ABILITIES REQUIRED: 

• Strong, well-developed interpersonal skills used in developing a working relationship with potential and current commercial loan clients as well as the ability to work effectively within the CCB team.
• A high level of analytical and collaboration skills to conduct financial and strategic analysis and convey that understanding both internally and with the client.
• Effective communication skills including excellent listening skills and the ability to communicate professionally, both verbally and in writing, with all levels within the organization and externally with clients.
• Knowledge of credit analysis, spreading and analyzing financial statements, credit scoring and loan documentation.
• Ability to work independently with a moderate level of direction or oversight.
• Must be comfortable working with faith-based community, i.e., churches, ministries and non-profit organizations.

MINIMUM LEVEL OF PREPARATION AND TRAINING NORMALLY REQUIRED: 

• A technical level of knowledge normally acquired through completion of a bachelor’s level program in business administration, finance, or related area or equivalent experience.
• Minimum 3 years of commercial lending experience.

COMPENSATION INFORMATION:

• Base salary range: USD $80,000 - $100,000 annually.
• In addition to cash compensation, Cass employees are eligible for profit sharing two times per year.
• Individual compensation packages are based on various factors unique to each candidate, including skill set, experience, qualifications, and other job-related reasons.

ABOUT OUR COMPANY:

Cass Information Systems, Inc. is a leading provider of integrated information and payment management solutions. Cass enables enterprises to achieve visibility, control and efficiency in their supply chains, communications networks, facilities and other operations. Disbursing over $90 billion annually on behalf of clients, and with total assets in excess of $2.5 billion, Cass is uniquely supported by Cass Commercial Bank. Founded in 1906 and a wholly owned subsidiary, Cass Commercial Bank provides sophisticated financial exchange services to the parent organization and its clients. Cass is part of the Russell 2000®. More information is available at www.cassinfo.com. 

Bank:

Founded in 1906, Cass Commercial Bank provides sophisticated financial exchange services to its parent company as well as its clients and consistently ranks among the top performing banks in the United States. Cass Commercial Bank, the wholly owned banking subsidiary of Cass, has provided banking products to faith-based and other non-profit entities since 1994. It has more than 250 faith-based and non-profit clients across the United States and has funded more than $1 billion of church expansion projects.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)