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COMMERCIAL PORTFOLIO MANAGER

POSITION SUMMARY

Under the direction of the EVP/CLO, will be responsible for the administrative management of the specific assigned lending relationships within the commercial loan portfolio. In addition, s/he will act as a resource to the Commercial Loan Officer(s) for his/her accounts and be the primary account manager for loans with non-designated Relationship (purchased loan participations, etc.). Additional responsibilities will include the facilitation of construction loan requisitions, comprehensive credit analysis and administration of existing relationships in the portfolio.

ESSENTIAL FUNCTIONS

This list includes the current primary responsibilities of this position.  It is not intended to be all-inclusive and is subject to change, as needed, for the purpose of operational efficiency.

  • Retains and manages an existing loan portfolio to include ownership of annual reviews and renewals for existing credit customers.
  • Supports up to two Commercial Loan Officer(s) in structuring and modeling new loan requests. Prepares credit memorandums in accordance with bank’s credit policy and reviews required documentation. Make recommendations as appropriate.
  • Compile and analyze credit and financial information of current and potential commercial banking customers; prepare complete and accurate credit proposals to enable informed decisions to be made.
  • Provide guidance, assistance and training in the structuring and maintenance of credit and borrowing relationships, including negotiating, underwriting, pricing, credit quality, reporting of problems, completing in-depth reviews of financial documentation.
  • Monitors loan delinquencies, maturities, renewals, amendments, modifications, extensions and covenant compliance of assigned portfolios. Performs routine collections of updated data/information inclusive of monthly Borrowing Base(s) and prepares scheduled loan reviews.
  • Facilitates the preparation of credit underwriting and analysis for existing loans to assess credit quality and covenant compliance in connection with renewals and modifications.
  • Works closely with Credit Administration to ensure all assigned loan requests are processed in a timely manner; and keeps the loan applicant (client or prospect) duly informed throughout the loan application process.
  • Receives and reviews periodic reporting provided by customers to ensure borrowing base availability as well as to monitor performance.
  • Assists lenders in managing past due and maturing loans.
  • Assists in facilitating closing of transactions.
  • Actively participates in research, preparation, and execution of customer calls.
  • Communicates effectively and professionally with customers, attorneys, and co-workers.
  • Promotes positive Bank’s image by being involved in meaningful community and business development activities.
  • Performs all other duties as may be assigned.
REQUIRED EDUCATION, EXPERIENCE, AND SKILLS
  • Bachelor’s Degree in Accounting, Finance, or Business Administration along with financial analysis experience and credit training with three (3) – five (5) years of related experience within the financial industry or a comparable combination of education and work experience. Experience in Credit, Loan or Workout preferred.
  • Strong communication and analytical skills.
  • Experience with financial analysis programs and cash flow models.
  • Solid interpersonal skills, team oriented, and strong customer service orientation.
  • Working knowledge of loan documents and requirements.
  • Working knowledge of all regulatory lending compliance regulations.
  • Working knowledge of the Bank’s policies, procedures and products.
  • Excellent follow-up and organizational skills.
  • Proficient operation of the Bank core systems to include loan analysis software (Abrigo, Baker Hill, etc.) and Microsoft Software such as Word, Excel, and Outlook.  
  • Ability to learn quickly with a strong attention to detail and problem-solving.
  • Ability to perform under stress when confronted with critical timeline constraints and increased work volumes. 

Windsor Federal Savings, an Equal Opportunity Employer, offers a competitive compensation and benefits package including vacation, personal days, paid sick time, holidays, participation in a 401(k) plan, and profit sharing.

For consideration, qualified applicants may email a cover letter and resume to slevasseur@windsorfederal.com.
Windsor Federal Savings, 250 Broad Street, Windsor, CT 06095
An Equal Opportunity Employer



BUSINESS ANALYST

POSITION SUMMARY

Partnering with the department/branch (business) managers, the Business Analyst serves as a liaison among business units, application providers, and IT to bring clarity to select system needs of each business unit. Specifically working with the business managers, the business analyst is responsible for collaborating and analyzing business and data processes; after fully evaluating these processes with the responsible parties, the Business Analyst will review and assist in making recommendations for potential additional systems or use of functionality, controls, greater transparency of data, and straight-through processing. The Business Analyst will work with the business managers to identify and implement system solutions with the necessary security to increase operational efficiencies. 

 ESSENTIAL FUNCTIONS

  • Working with managers, assists with determining the user requirements for select business processes, uncovering areas for improvement and discusses those requirements and needs with the appropriate business partners when identifying system solutions.  Works with the managers to ensure that documentation is properly completed and kept up to date prior to, during, and after system changes. 
  • Works with the managers in defining solutions, documenting workflow and identifying the necessary system specifications required for executing system solutions with an understanding of how the function operates and the costs involved. 
  • Works closely with IT to translate any contextual differences that may interfere with the design process, addresses security requirements with IT and the business manager, reviews system related documentation from vendors and assists in the identification of hardware and access requirements. 
  • In conjunction with IT and the business manager, identifies additional data-entries to be built in to the application and flow for future reports. 
  • Assists in the verification when final product is accurate.
 
POSITION QUALIFICATIONS
  • Collaborates with business units to coordinate blending data from multiple sources for unified reporting, and works with the appropriate business partner to identify cross-functional opportunities to either simplify, or improve, current processes.
  • Possesses the ability to build strong relationships within the business units and support functions so as to better understand and assist in assessing appropriate business needs.
  • Excellent problem-solving, analytical, user testing, and project management skills.
  • Strong communication and technical skills.
  • Prior experience in reporting and data visualization solutions, consulting or business analysis.
  • Experience with Office particularly Excel, Visio, Power BI, and Crystal Reports.
  • Experience with financial reporting solutions, Oracle Cloud ERP, Salesforce, Total Vision
  • Experience using Power BI or other BI software suites.
  • BA or Associates degree along with a minimum of five years of relevant/related banking work experience or an equivalent combination of education and work related experience.

Windsor Federal Savings, an Equal Opportunity Employer, offers a competitive compensation and benefits package including vacation, personal days, paid sick time, holidays, participation in a 401(k) plan, and profit sharing.
For consideration, qualified applicants may email a cover letter and resume to slevasseur@windsorfederal.com.
Windsor Federal Savings, 250 Broad Street, Windsor, CT 06095
An Equal Opportunity Employer


CREDIT ANALYST

The Credit Analyst will analyze all relevant credit and financial data on new, renewal and existing loans to evaluate the creditworthiness of the prospect and/or existing borrowers in order to assist with the loan decision-making process.


RESPONSIBILITIES 

  • Spreading of financial statements within our statement spreading software.
  • Preparation of spreadsheets and a written report and analysis for the Commercial Lending staff.
  • Remains independent of the lending decision to help ensure the highest loan quality and adherence to loan policies, regulations and legislation.
  • Works with the Commercial Lending Department to support quality growth of the loan portfolio.

POSITION QUALIFICATIONS

  • Bachelor's degree in business, finance or accounting with 3 to 5+ years progressive work experience that include bank credit responsibilities.
  • Must have financial analysis and loan underwriting experience and have held a position as a credit analyst or possess an equivalent combination of work experience and education.
  • Strong skills in commercial real estate analysis as well as C&I loans, to include documentation skills. Including proficiency in spreadsheets and word-processing.
  • Completion of a credit-training program is desired.
  • Experience with collections or workouts is preferred.
  • Experience with Abrigo is a plus.This position requires an experienced Credit Analyst who is able to work professionally with staff and co-workers in a positive manner while exchanging and presenting ideas, facts and technical information in a clear and consistent manner; both verbally and written. The qualified Analyst must be able to perform under stress when confronted with critical time constraints and large work volumes.
 
Windsor Federal Savings, an Equal Opportunity Employer, offers a competitive compensation and benefits package including vacation, personal days, paid sick time, holidays, participation in a 401(k) plan, and profit sharing.

For consideration, qualified applicants may email a cover letter and resume to slevasseur@windsorfederal.com
Windsor Federal Savings, 250 Broad Street, Windsor, CT 06095
An Equal Opportunity Employer
 

COMMERCIAL LOAN ASSISTANT

POSITION SUMMARY
The Commercial Loan Assistant provides administrative support to Windsor Federal’s Commercial Lending Team. Under limited supervision, in accordance with established policies and procedures, will perform a variety of administrative duties. Primary roles are to assist commercial lending officers to gather information, input data to the commercial management system, perform loan research as needed, and balance daily tasks with exceptional customer care. The Commercial Loan Assistant will generally work with 1 or 2 lenders who have a combined portfolio of less than 300 loans and/or $80MM average outstanding balances; portfolio generally consists of less complex loans with balances under $2MM.
 
ESSENTIAL FUNCTIONS
  • Serves as primary administrative assistant for loan officers, which includes but is not limited to, answering incoming telephone calls, resolving customer inquiries within prescribed authority, scheduling appointments, composing written correspondence and memos, and providing administrative assistance.
  • Assists lending officers in the preparation of credit submission paperwork, document upload to CMS, pre-funding worksheets, loan documentation checklists and any other communications necessary to properly submit a loan package.
  • Prepares and maintains data related to loan-related reports as applicable.
  • Creates/starts collateral and credit files.
  • Maintains and files loan application documents for commercial loan officers.
  • Assists in preparation of construction loan requisition packages.
  • Anticipates needs and, with general instructions, outlines assignments, conducts research, and proposes solutions for projects or special projects.
  • Maintains positive employee and customer relations at all times.
  • Provides exceptional customer care (both internal and external) in a manner that satisfies individual needs of each customer and deepens the work relationship with Windsor Federal.
  • Maintains confidentiality of all customer and employee information.
  • Ability to multi-task and demonstrate attention to detail while producing accurate, high quality work.
  • Good written and verbal communication skills.  Basic math skills.
  • Fully utilizes systems, tools, training and resources provided to maximize potential.
  • Responds positively to feedback and redirection.
  • Assists other departments as assigned.
  • Demonstrates regular attendance and punctuality.
  • Positively promotes Windsor Federal within the community.
  • Performs other job-related duties as required.
 
REQUIRED EDUCATION, EXPERIENCE, AND SKILLS
  • High School Diploma or equivalent with two years of Financial Services experience or a comparable combination of education and experience. Possesses basic knowledge of general bank commercial lending practices preferred, superior customer service and sales skills, good interpersonal skills.
  • Intermediate computer skills with ability to learn new applications. Proficient with MS office software; prior Bank commercial management and core systems experience and/or ability to acquire relevant systems knowledge
  • Ability to receive guidance and supervision, follow work rules, work procedures; meet deadlines, punctuality and attendance standards.
Windsor Federal Savings, an Equal Opportunity Employer, offers a competitive compensation and benefits package including vacation, personal days, paid sick time, holidays, participation in a 401(k) plan, and profit sharing.

For consideration, qualified applicants may email a cover letter and resume to slevasseur@windsorfederal.com
Windsor Federal Savings, 250 Broad Street, Windsor, CT 06095
An Equal Opportunity Employer

Benefits

Looking for a career opportunity at a CT bank that's personally and professionally rewarding? We're looking for people who share our commitment to providing excellent customer service. And we support our employees with multiple benefits:

  • Competitive Salary
  • Group Insurance
  • Paid Time Off
  • Tuition Reimbursement