Portfolio Manager III

As a Portfolio Manager III at Sunflower Bank, your primary responsibilities include gathering, analyzing, and interpreting financial and credit information to evaluate the creditworthiness of customers. You'll work closely with Commercial Bankers to manage both new and existing loan relationships, ensuring that credit quality is maximized and risks are minimized. This involves preparing detailed financial reports, cash flow analyses, and summarizing your findings on customer relationships.

To qualify for the Portfolio Manager III role at Sunflower Bank, candidates typically need a Bachelor's degree in Accounting, Business, Economics, Finance, or a related field. If you don’t have a degree, having at least 10 years of relevant experience is essential. Additionally, candidates should possess over 7 years of experience specifically in credit analysis or portfolio management within a commercial lending environment.

Sunflower Bank offers an exceptional benefits package for its Portfolio Manager III employees, including a 401(k) plan with a generous 6% match, comprehensive health, dental, and vision insurance, company-paid life insurance, and access to programs like tuition reimbursement and fitness reimbursement. Moreover, employees also benefit from paid time off and volunteer leave, promoting a well-rounded work-life balance.

For the Portfolio Manager III role at Sunflower Bank, candidates should ideally have at least 7 years of experience in credit analysis and portfolio management, particularly in a commercial lending context. This includes a sound understanding of underwriting in areas like commercial real estate, industrial lending, and SBA lending, which are crucial for the effective evaluation of credit relationships.

Yes, there is significant potential for career growth for a Portfolio Manager III at Sunflower Bank. With a strong commitment to employee development, you could expand your role into senior management positions or specialize further in your areas of expertise. Our workplace culture encourages continuous learning and exploration of new opportunities within the company.

In answering this question, you should highlight specific analytical skills and experiences relevant to commercial lending. Discuss examples where you effectively assessed creditworthiness, detailing the types of financial statements and credit reports you’ve analyzed, and how you made determinations based on your analysis at Sunflower Bank.

To effectively manage multiple loan relationships, it’s key to demonstrate your organizational and time management skills. You might explain your strategies for prioritization by categorizing tasks based on urgency and importance and leveraging tools or software to keep your workflow efficient, ensuring timely analyses for Sunflower Bank’s customers.

You should discuss specific techniques you use for cash flow analysis, such as historical cash flow analysis, global cash flow assessments, and various prediction models. Sharing actual instances where your cash flow analysis led to informed decisions at Sunflower Bank can effectively illustrate your proficiency.

Address this question by emphasizing your communication skills and compassionate approach. Discuss how you maintain professionalism and transparency while delivering difficult news, using examples of past experiences where you navigated tough conversations at Sunflower Bank in a way that preserved relationships.

This is your chance to demonstrate your research skills and analytical thinking. Explain how understanding market trends and industry nuances enhances your credit analysis, ultimately aiding Sunflower Bank in making more informed decisions regarding lending.

Discuss specific risk mitigation strategies you’ve employed, such as conducting thorough due diligence, preparing detailed analytical reports, and continuously monitoring the credit health of borrowers. Providing examples of how these strategies have successfully mitigated risks in your previous roles will reinforce your capabilities.

To answer this, share your commitment to professional development and staying informed on regulatory changes. Mention any courses, webinars, or professional organizations you engage with to remain updated on relevant laws and how they may affect your role at Sunflower Bank.

Be specific about any financial modeling software you’ve used in your previous roles, such as Excel, SAS, or others, and how you’ve utilized these tools to streamline your analysis at Sunflower Bank. Discuss your ability to adapt to new tools as needed to improve efficiency.

Encourage the interviewer with a structured approach explaining how you assess both qualitative and quantitative factors when evaluating credit relationships. Use real scenarios or frameworks you follow that have been effective in your decision-making process at Sunflower Bank.

Reflect on your own experiences to answer this, discussing common challenges such as fluctuating market conditions or managing diverse client needs. Providing insight into how you’ve overcome such challenges at Sunflower Bank will display your problem-solving skills and resilience.