SENIOR CREDIT PORTFOLIO MANAGER

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 Denver, Colorado. 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 Senior Credit Portfolio Manager manages the credit risk at HTLF. This position identifies potential risk, monitors existing loans or debt instruments, and develops strategies to mitigate these risks. In addition, the Senior Credit Portfolio Manager underwrites and implements credit policies and procedures.

Primary Responsibilities

• Develops and manages a portfolio of credit products in order to achieve growth, profitability, and risk objectives.
• Conducts analysis of customer behavior and trends in order to identify opportunities for product development and improvement.
• Manages the end-to-end product lifecycle for assigned products, including but not limited to: product design and development, pricing, promotion, and ongoing maintenance.
• Serves as subject matter expert on assigned products, providing input and guidance on product strategy, features, and benefits.
• Develops and maintains strong relationships with internal and external partners, including but not limited to: sales, marketing, operations, finance, and compliance.
• Monitors and reports on key performance indicators for assigned products, taking action as necessary to ensure desired results are achieved.
• Stays abreast of industry trends and developments, identifying potential threats and opportunities for the business.
• Proactively identifies and manages risks associated with assigned products, working with relevant parties to develop and implement mitigation strategies.
• Prepares and presents reports on portfolio performance to senior management on a regular basis.
• 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.

Qualifications

• Bachelors Accounting, Business Administration/Management, Finance
• Or Related Field required
• 5-7 years related experience as a Credit Analyst, Portfolio Manager or Commercial Loan Officer required
• Strong analytical skills and an understanding of general economic theory as it relates to the lending and business environment required
• Demonstrated understanding of credit analysis, risk analysis, and accounting and finance principles required
• Working knowledge of commercial and agricultural lending, credit and appropriate banking laws and regulations required
• Strong credit underwriting skills with experience in credit structuring and prudently accommodating customer credit needs required
• Proven track record of demonstrating accuracy and thoroughness with an focus on finding ways to improve and promote quality 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 minimal supervision required
• Thorough understanding of bank policies and procedures required
• Experience with ProfitMax, InfoAccess, nCino and Credit Lens (Moody’s), AS400/Fiserv and/or other related computer programs required
• RMA - Credit Risk Certification - CRC - Risk Management Association - RMA within 1-1/2 Yrs preferred

Standard ADA Selection: Office and Administrative Support

Physical Demands:

Standing - Frequently

Walking - Occasionally

Sitting - Frequently

Lifting - Occasionally

Carrying - Occasionally

Pushing - Rarely

Pulling - Rarely

Balancing - Rarely

Kneeling - N/A

Crouching - Rarely

Reaching - Rarely

Repetitive Motions - Frequently

Eye/Hand/Foot Coordination - Constantly

Working Environment:

Extreme cold - N/A

Extreme heat - N/A

Humidity - N/A

Wet - N/A

Noise - Rarely

Hazards - N/A

Temperature Change - N/A

Atmospheric Conditions - N/A

Vibration - N/A

Standard Business Hours:

Standard business hours are Monday through Friday, 8:00 a.m. to 5:00 p.m. Exempt employees are expected to work as long as it takes to accomplish the goals and deliverables of the position; typically, a minimum of 40-45 hours per week.

Travel:

Est. Amount - 20% Travel including the ability to travel regionally once per quarter for up to three days per event.

Driving Requirements:

Est. Amount - 0%

Scheduled Weekly Hours:

40

Time Type:

Full time

The targeted salary for this role is:

$110,413.00 - $143,537.00

You may also be offered incentive compensation, and benefits. Benefits may include Medical, Dental, Vision, 401(k), Health Savings Account, Paid Time Off.  Actual compensation may vary based on geographic location of the specific role as well as work experience, education, and skills of the selected candidate.