Summary of the Position:
The Commercial and Industrial (C&I) Portfolio Manager assists the relationship managers with the underwriting of credit and the ongoing administration of loan portfolios to ensure that the Bank maintains high credit quality and to provide more time for the relationship managers to generate new business opportunities.
Primary Functions of the Position:
- Underwrites requests for credit extensions to new and existing clients
- Performs detailed financial analysis primarily for Commercial & Industrial lending opportunities
- Prepares the following for presentation to Senior Loan Committee by the relationship managers:
- Credit Approval Requests (CAR)
- Modifications
- Covenant Waivers / Amendments
- Periodic Reviews
- Manages / monitors assigned portfolio for:
- Borrower Credit Trend
- Accurate and Timely Risk Rating
- Required Financial Reporting
- Covenant Compliance
- Borrowing Base Availability
- Payment Delinquencies
- Overdrafts
- Ensures compliance with the Bank’s credit policies and procedures, identifying exceptions for approval when they occur
- Ensures the initial set-up of credit facilities on Baker Hill and other internal systems is consistent with the reporting requirements contained in the loan documents
- Prepares periodic financial reviews where required
- Ensures the timely spreading of interim and annual financial statements provided by clients
- Accompanies the relationship manager on prospect / client calls when appropriate
Education and Experience Requirements:
- Bachelor’s Degree in Accounting, Finance, or related field; MBA preferred
- Minimum 5 years of credit analysis and underwriting experience
- Completion of bank commercial credit training program
Essential Skills and Abilities:
- Demonstrated knowledge of accounting theory and its practical application in the credit underwriting process
- Knowledge of underwriting treasury management products preferred
- Strong analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry, competition and projections
- Excellent organizational skills, attention to detail, and the ability to work in a fast-paced environment and complete assignments in a timely manner with minimal direction
- Strong written and verbal communication skills
- Strong presentation skills
- Ability to work independently and within a team
- Proficient in various spreadsheet applications, including the use of graphs, charts and Moody’s financial analysis software
Summary of the Position:
The Commercial Documentation and Construction Administration Manager will support the Commercial Closing process and Construction Administration workflow ensuring quality and productivity standards are met. This position will require thoughtful approaches to client engagement and experience and will work closely with external clients and internal partners (including Relationship Managers, Credit/Portfolio Managers, Legal, Compliance/Risk, and Bank Operations) to deliver a best-in-class experience for our commercial prospects and clients.
Primary Functions of the Position:
- Managing Commercial Loan closings and ongoing administration of Construction and Real Estate loans by fulfilling requests within stated SLAs
- Responsible for loan (relationship) exception tracking, identifying, curing and evidencing with proper file documentation
- Strong client engagement and experience throughout the closing and administration phases
- Keen attention to detail and understanding of loan system and applicable
- coding
- Working closely with other teams within operations and the bank to enhance current processes
- Fostering a culture of continuous improvement (client experience, productivity and quality)
- Coaching the team to best support the line of business
- Actively participate in projects as assigned
- Provides daily workflow and capacity planning solutions for upcoming initiatives
- Be point of escalation for team and handle escalation process throughout its entirety
- Interview and effectively participate in the selection process of new employees
- Maintain and develop policies and procedures according to new rules and regulations for both internal and external guidance
- Make proposals to management for changes and improvements to SLA’s
- Provide day to day support and insight to the metrics & performance of the team
- Perform team performance reviews, IDP’s, performance improvement plans (PIPs) and conduct team one-on-one’s
- Review electronic timecards for approval and accuracy when needed
Education and Experience Requirements:
- Bachelor’s Degree or equivalent combination of education and experience
- Minimum 5 years of related banking experience, including operations management, commercial loan closing and commercial loan administration
- Minimum 2 years of supervisory or leadership experience in current or recently held position preferred
Essential Skills and Abilities:
- Demonstrated knowledge of loan documentation requirements and commercial lending regulations
- Extensive experience in administering construction loans including reviewing draw requests
- Attention to detail and ability to review construction due diligence documentation, including Plan and Cost Reviews Construction Contracts, Payment and Performance Bonds, Inspection Reports, Budgets
- Ability to organize and prioritize work assignments in a consistent manner to ensure timely and efficient production.
- Exceptional interpersonal, communication and presentation skills
- Strong work ethic and ability to be self-directed
- Analytical problem-solving capabilities
- Ability to work in a high-energy, fast-paced, team-oriented work environment and adapt quickly to changing priorities
Summary of the Position:
The Inside Sales Representative (ISR) will broaden our existing client relationships and seek new business opportunities in a defined geography while working from our Pittsburgh offices. Successful candidates will proactively contact financial advisors to assist them in implementing TriState Capital Bank strategies, in particular, the Bank’s securities-based lending products. Inside Sales Representatives act as a critical link between resources available at the corporate offices of TriState and their external sales partners towards the achievement of sales goals.
Primary Functions of the Position:
- Collaborate with external sales partner / sales management in creating and implementing a business plan to expand our relationship with existing clients (financial advisors) and identify potential new clients (financial advisors)
- Coordinate / schedule meetings and/or calls with financial advisors / staff to provide relationship management support services and assist with initial loan application completion
- Meet all KPIs outlined for the team, which promote the overall growth of the territory
- Take the lead on certain aspects of the business plan, while also managing the follow-up for the efforts of external sales partner, which includes meeting follow ups, presentations, conference preparations, and sales kits
- Present all TriState’s product offerings to our clients, to help them understand how we complement their business
- Develop, implement, and maintain a drip marketing strategy to stay “Top of Mind” for lending opportunities in the region
- Maintain a deep knowledge of product offerings and be able to conduct one on one meetings with advisors, deliver presentations, as well as conduct joint meetings with external partner in the field
Education and Experience Requirements:
- Bachelor’s Degree in a Finance-related discipline
- 1-3 years of financial services experience, including previous experience in financial sales or client services with demonstrated achievement of goals
- Experience with a CRM platform such as Salesforce
- Experience working in a relationship driven line of business
- Experience working with high net worth clients and top-producing advisors / agents is a plus
Essential Skills and Abilities:
- Excellent communication and interpersonal skills
- General knowledge of insurance, banking, lending, and financial marketplace a plus
- Strong prospecting and customer services skills
- Ability to use independent judgement and critical thinking
- Proficient in MS Office, specifically Excel and Word
- Entrepreneurial: Willingness to make independent decisions and improve processes that contribute to the territory business objectives
- Creativity: Develops innovative ways to demonstrate to our client’s best practices in implementing Tristate strategies and help them identify investment opportunities
- Competitiveness: Motivated by being in a professionally competitive atmosphere
- Curiosity: Interested in understanding capital markets and how individual investors utilize asset management/banking products to achieve their financial goals
- Ethical: Unwavering commitment to doing what is right for the client and for the company
