Commercial Portfolio Manager

POSITION SUMMARY:

The Commercial Portfolio Manager is a key member of the commercial lending team, responsible for managing a diverse portfolio of commercial credit relationships in collaboration with the lending teams. This includes but is not limited to, Commercial Real Estate (CRE), Commercial & Industrial (C&I), construction, and unsecured loans. The role combines credit risk management, client relationship development, and strategic portfolio oversight. It requires strong collaboration with Loan Officers, Credit Analysts, and Loan Assistants to ensure sound underwriting, compliance, and client satisfaction. Conducts relationships and activities consistent with established Bank policies, procedures and systems, the corporate code of conduct, Bank Secrecy Act and all applicable State and Federal laws and regulations.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

Credit & Portfolio Management in Collaboration with Assigned Lending Team

- Manage a portfolio of commercial borrowing relationships. 

- Underwrite new and renewed credit facilities, including market analysis, financial analysis, risk assessment, and structuring. 

- Define borrowers and guarantors, loan structure, credit terms, and financial covenants.

- Perform risk rating analysis and document credit decisions and modifications.

- Monitor ongoing financial performance, covenant compliance, and collateral adequacy.

Client Relationship & Business Development

- Partner with Commercial Loan Officers to form a “deal team” and participate in periodic customer calls to establish strong working relationships with clients.

- Identify client needs and provide tailored banking solutions.

- Communicate directly with clients regarding credit events and actions.

- May assist in closing commercial loan business and expanding existing relationships as needed.

Operational & Compliance Oversight

- Ensure compliance with bank policies, procedures, and all applicable laws and regulations.

- Review and assist with loan documentation and booking processes.

- Collaborate with Lending teams regarding past dues, documentation exceptions, financial analysis updates.  

- Support the resolution of problem assets in collaboration with the lending and credit teams.

Team Collaboration & Leadership

- Collaborate with Lending Teams, Credit Teams and Loan Assistants for overall portfolio management and performance.

- Provide input on workflow and process improvements.

- Mentor junior team members and contribute to a collaborative team environment.

ADDITIONAL DUTIES AND RESPONSIBILITIES:

- Periodically Represent the bank in the community and at industry events.

- Participate in internal training and development programs.

- May be assigned work or training at other locations.

- Perform other duties as assigned.

Qualifications:

POSITION REQUIREMENTS:

• Preferred bachelor's degree or equivalent combination of education, training, and experience.
• At least three years of credit analysis and/or loan review experience.
• Knowledge of bank lending procedures, lending regulations, lien laws, collection/bankruptcy regulations, and loan documentation.
• Ability to analyze financial statements and loan risk.
• Good judgment skills and ability to make decisions within prescribed guidelines.
• Strong customer relations skills and ability to work cooperatively with employees and customers.
• Strong organizational skills and attention to detail.
• Ability to represent the bank in the community.
• Ability to operate office equipment and interpret various instructions.
• Valid driver's license and acceptable driving record for bank insurance purposes.
• Knowledge of commercial lending and real estate field, including appraisals, deeds, and lien recording.
• Research and solve problems, work independently, handle confidential information and manage multiple tasks.
• Thorough knowledge of bank products and services.
• Ability to identify client needs, present banking solutions and bank products.
• Ability to recognize closing opportunities and retain and grow customer relationships.
• Ability to read, write, and speak English.
• Excellent verbal, listening and communication skills.
• Ability and desire to work as part of a team, and with people of diverse backgrounds.
• Willingness to assume additional responsibilities, duties, and projects as they arise.

 PHYSICAL AND SENSORY DEMANDS:

• Regularly required to sit, stand, walk, talk, see, and hear.
• Use hands to handle objects, tools, or controls and reach with hands and arms.
• Occasionally required to stoop, kneel, or crouch.
• Frequently lift and/or move up to 20 pounds.
• Specific vision abilities include close vision.
• Regularly required to drive.