Formed in 1934, Telhio began as a credit union for Columbus Telephone Company (now AT&T) employees. Telhio now serves over 70,000 member-owners throughout central and southwest Ohio. As one of the largest credit unions in Ohio, Telhio is a strong financial institution that continues to serve its members through extraordinary service, innovative financial solutions and community involvement. After generations of service and growth, we never lose focus of our three core values - Caring, Commitment, and Integrity.
The Portfolio Manager Team Lead is responsible for overseeing risk monitoring, annual reviews, and problem credit reporting within the business loan portfolio while also providing leadership to a team of Portfolio Managers. The role combines individual portfolio management responsibilities with supervisory duties to ensure efficiency, accuracy, and adherence to credit policies and regulatory requirements.
Responsibilities:
- Provide guidance, training, and mentorship to Portfolio Managers, ensuring consistency in credit risk monitoring and reporting.
- Oversee workload distribution, prioritizing annual reviews and problem credit reports. Conduct regular one-on-one meetings to track progress, address challenges, and encourage professional development.
- Act as the main point of contact for escalations within the Portfolio Management team, collaborating with senior leadership as needed.
- Recommend and implement process improvements to enhance risk monitoring, efficiency, and reporting accuracy.
- Conducts annual review of business members' financial statements, tax returns and lines of credit.
- Obtains tax returns, credit reports, evaluations of collateral value and new cash flow analysis.
- Acts as business unit administrator for Sageworks and ensures annual review workflows are set up correctly and being followed by team members.
- Prepares written presentation on business loans and ensures loan meets credit union's business policy requirements.
- Perform portfolio maintenance -- order periodic real estate appraisals, flood searches and environment evaluations.
- Review existing loans and take appropriate action on loans that mature or are past due. Complete all watch list and action plan reports in a timely manner. Coordinate cash flow analysis and risk analysis with the credit department when necessary
- Monitor the financial statement and documentation exception report, coordinate with the lender who is responsible for clearing the exception, and maintain exception percentages below the credit union's target.
- Go on calls with lenders and compete call site visit reports as needed.
- Keep abreast of collateral audit results, with any adverse trends reflected in the underwriting and risk rating of the Borrower.
- Stay up to date on all regulations applicable to job responsibilities
- Anticipates business partner needs and develops a reputation for responsiveness.
- Performs other duties as assigned
- Complies with all policies and standards
Qualifications:
- Bachelor's degree Finance, Accounting, Business, Economics, Business/Administration, Management, Statistics. Preferred
- 1-3 years leadership experience. Preferred
- 3-5 years Quantitative analysis or industry/equity research. Required
- 3-5 years Interpreting financial data. Required
- Less than 1 year Identifying business implications of industry trends or credit data. Preferred
- Knowledge of SBA standard operations procedures
- Analytical thinking
- Possesses expert written, oral and interpersonal communication skills
- Spreading and analyzing financial statements
- Credit scoring, loan documentation and credit analysis
- Telhio applicants must be able to pass a background check including: Credit, Drug Screen, Bondability, & Criminal Background
What you will Earn:
- Competitive Pay.
- Benefits: several medical plan options, dental, free vision, free life insurance and free disability insurance
- Additional financial incentive programs for employees enrolled in our insurance.
- 6% matching and immediately vested 401(k) plan.
- Generous schedule for 14 paid holidays and additional vacation and personal time for a healthy work-life balance.
- Opportunity for personal career growth, continued education and mentorship programs.
- Volunteer opportunities impacting the local community
Physical Demands
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, you will need to have good manual dexterity as well as speaking and hearing ability. This position requires sitting; some reaching; standing; some stooping or kneeling. The employee must occasionally lift and move up to 50 pounds. It is expected that the employee will read, compile, compute and record numerical and statistical data. Must drive occasionally.
This is a Non-Collective Bargaining Unit.
Telhio is an Equal Opportunity Employer.
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Telhio Credit Union
life insurance, paid holidays, 401(k)
Apr 13, 2025