The Wholesale Portfolio Risk Officer, ensures the overall quality of the portfolio is maintained. Handles the client's financial needs, ensuring that the overall client experience is favorable and that the bank is in a position to expand the relationship. Takes the lead where debt product opportunities are identified and is accountable for all aspects of due diligence, underwriting, structuring and preparing the credit package for review and approval. Interfaces directly with the client and participates in building the client relationship. Additionally, to maintaining and updating as necessary credit policy and underwriting guidelines for debt products for this line of business.   Principal Duties & Responsibilities: - Primary duties and responsibilities include Commercial and Industrial Underwriting and Commercial Real estate renewals and opening of new loans to render a lending decision, portfolio loans while maintaining quality control of new loans which is essential to the sound business operations of the bank. - Responsible for the ongoing management of the Wholesale Risk portfolios including underwriting. - Manages relationships via a master portfolio report for tracking all renewals, annual reviews, servicing events, covenant checks and borrowing base reports by relationship. - Makes independent decisions on the creditworthiness of commercial clients of the Bank which includes: determining financial trends based on financial analysis; determining appropriate credit grading; determining, negotiating and finalizing appropriate credit structures; and providing independent recommendation of final credit decisions as per the Bank’s credit policies and guidelines. - Work closely with lines of business to obtain supporting information and data to develop a consistent view of portfolio trends. - Drives analysis of wide-ranging business risks that have financial impact and provide insight into trends in portfolio performance and profitability. - Monitors portfolio activity for the following: - 180 day Maturing Report - Upcoming and Past Due Servicing tickler reports - Upcoming and Past Due Financial Statement tickler reports - Interface with Collateral Control Department for monthly borrowing base reports and field exams as required per loan approvals - ACH Expiration Report - Remote Deposit Capture Report - Monthly Reconciliation of the loan policy exception waivers - Coordinates the requisition of upcoming financial statement requirements from clients in conjunction with Wholesale Banking Relationship managers. - Provides appropriate lead time to ensure compliance and to coordinate renewal or servicing timeframes are met. - Manages high volumes of documents (financial statements) for upcoming portfolio events until documents have been reviewed, ticklers updated and uploaded in Web Director. - Attends joint appointments. - Required to visit Clients at place of business

The Wholesale Portfolio Risk Officer, handles client's financial needs, ensuring that the overall client experience is favorable and that the bank is in a position to expand the relationship. The incumbent is responsible for commercial & industrial underwriting and commercial real estate underwriting. The incumbent takes the lead where debt product opportunities are identified to meet client's needs and is accountable for all aspects of due diligence, underwriting, structuring and preparing the credit package for review and approval. Interfaces directly with the client and participates in building the client relationship. This position does not involve residential or consumer mortgage underwriting.   Principal Duties & Responsibilities: - Primary duties and responsibilities include Commercial & Industrial and Commercial Real Estate underwriting of new loans to render sound lending decision, while maintaining quality control of new loans, which is essential to the sound business operations of the bank. - Directly responsible for delivering on a timely basis the end-to-end debt product to the client management process by underwriting all new loan requests primarily within the Wholesale Lines of Business (Corporate Banking, Business Banking and Private Client Group). At times, the incumbent will also support PBB LOB (Retail), as well. - Effectively partners with Relationship Manager(s). • Leads due diligence, credit package production and approval process. An integral part of this process is the ability to interact with the client either via phone and/or in person. - Demonstrates broad knowledge of the client’s industry; is aware of benchmarks, standards, methodologies and structures; has up to date knowledge of client industry practices and processes; keeps abreast of trends and development. - The incumbent is responsible for ensuring underwriting risk management processes are executed consistently, efficiently and effectively. - Works with client team in providing as needed support with Treasury Management, Loan Operations, etc. in connection with assigned relationships. - Accountable for asset quality by underwriting within the bank’s policies, guidelines and risk tolerances. - Ensures with the assistance of FinServ that credit events and monitoring information is entered accurately into appropriate systems. - Responsible for adherence to credit policies, guidelines and applicable regulatory requirements.

The Wholesale Portfolio Risk Officer Sr, handles client's financial needs, ensuring that the overall client experience is favorable and that the bank is in a position to expand the relationship. The incumbent is responsible for commercial & industrial underwriting and commercial real estate underwriting. The incumbent takes the lead where debt product opportunities are identified to meet client's needs and is accountable for all aspects of due diligence, underwriting, structuring and preparing the credit package for review and approval. Interfaces directly with the client and participates in building the client relationship. This position does not involve residential or consumer mortgage underwriting.   Principal Duties & Responsibilities: - Primary duties and responsibilities include Commercial & Industrial and Commercial Real Estate underwriting of new loans to render sound lending decision, while maintaining quality control of new loans, which is essential to the sound business operations of the bank. - Given the lack of automated systems and lack of automated preliminary determination of loan structure by automated systems, the incumbent is responsible for making sound decisions within their delegated lending authority and making recommendations for loans requiring higher levels of delegated approval authority, based upon their own independent analysis and interpretation of cash flows, and banking lending risk guidelines (100% manual non-automated Commercial & Industrial and Commercial Real Estate underwriting). - Directly responsible for delivering on a timely basis the end-to-end debt product to the client management process by underwriting all new loan requests primarily within the Wholesale Lines of Business (Corporate Banking, Business Banking and Private Client Group). At times, the incumbent will also support PBB LOB (Retail), as well. - Effectively partners with Relationship Manager(s). - Leads due diligence, credit package production and approval process. An integral part of this process is the ability to interact with the client either via phone and/or in person. - Demonstrates broad knowledge of the client’s industry; is aware of benchmarks, standards, methodologies and structures; has up to date knowledge of client industry practices and processes; keeps abreast of trends and development. - The incumbent is responsible for ensuring underwriting risk management processes are executed consistently, efficiently and effectively. - Works with client team in providing as needed support with Treasury Management, Loan Operations, etc. in connection with assigned relationships. - Accountable for asset quality by underwriting within the bank’s policies, guidelines and risk tolerances. - Ensures with the assistance of FinServ that credit events and monitoring information is entered accurately into appropriate systems. - Responsible for adherence to credit policies, guidelines and applicable regulatory requirements.