What are the responsibilities and job description for the Commercial Portfolio Manager position at Emprise Bank 2?
KEY RESPONSIBILITIES
Underwriting
- Coordinate/assist in underwriting process for both new and existing commercial transactions
- Demonstrates advanced proficiency in structuring complex credit transactions and assessing risk across diverse industries and borrower profiles
- Anticipates potential credit issues and proactively recommends solutions that align with the bank’s risk appetite and strategic goals
- Ensure that loan structure and pricing reflect both asset quality and return on equity expectations of bank
- Serves as a mentor to junior team members, providing guidance on credit structuring and decision-making
- Facilitate and participate in discussions with commercial lending staff and decision makers to advance credit approval process
- Contributes to the continuous improvement of credit processes and policy interpretation
Financial Analysis
- Collects and researches data and synthesizes financial data into meaningful terms
- Recognizes trends and patterns and identifies data relationships and dependencies
- Makes recommendations based on analysis
- Consistently delivers high-quality work, setting an example for others
Portfolio Management
- Monitor and manage portfolio activities individually and/or jointly with Relationship Manager, based on size and complexity of client relationship
- Provide leadership role in loan renewals, annual review and other regular reporting for existing loan relationships
- Review and monitor trends to ensure accurate risk rating and appropriate risk mitigation is in place at all times
- Proactively identifies opportunities and contributes to team success
- Additional responsibilities may include oversight of specific Commercial Segment including significant input regarding polices and processes to help manage performance and risk management across the bank
Relationship Management
- Cultivates and sustains high-value relationships with both internal stakeholders and key clients
- Demonstrates empathy, openness to diverse viewpoints, and a collaborative mindset
- Serves as a trusted advisor and strategic partner
- Leads by example in fostering collaboration, resolving conflict, and expanding client relationships to support long-term growth and retention
Teamwork
- Proactively establish and maintain effective working relationships with all commercial related associates and functions
- Collaborate with others to maintain/improve overall processes and procedures while being sensitive to the voice of the client in daily interactions
- Encourage open communication and ensure that all parties have the opportunity to share concerns and opinions
Business Acumen
- Demonstrates advanced understanding of business strategy, regulatory frameworks, and market forces
- Anticipates implications of credit decisions on profitability, risk, and customer relationships
- Aligns efforts with enterprise-wide goals and Emprise’s long-term vision
Judgment
- Consistently exercises advanced-level judgment in complex credit and portfolio decisions
- Anticipates downstream impacts and integrates strategic, financial, and regulatory considerations
- Serves as a resource for peers and contributes to decision-making frameworks and policy refinement
Compliance
- Stays current with regulatory activities and complies with legal and regulatory guidelines
- Ensures that credit decisions are appropriately documented
Other duties as assigned within the scope and responsibility of the job
Requirements
- Bachelor’s degree in business or related discipline, or level of education that, together with industry experience, enables the applicant to meet the job requirements
- Minimum of two years’ overall banking experience required in growth-oriented commercial or corporate lending environment with experience in portfolio management and/or underwriting
- Thorough knowledge of credit policies, procedures and terminology
- Excellent presentation, verbal, and written communication skills
- Proficiency with large server-based applications and typical desktop software
- Solid understanding of regulatory and compliance guidelines and requirements concerning all aspects of commercial credit
Benefits
In addition to a competitive salary and benefits, Emprise offers professional growth, a rewarding and challenging environment, opportunities to be involved in our communities, and a culture of integrity, passion, and success.
At Emprise Bank, empowering people to thrive means having an all-inclusive culture that honors our commitment to all dimensions of diversity in our workforce and embraces inclusion of all people. People of color, women, LGBTQIA , veterans, and persons with disabilities are encouraged to apply.
To learn more, please visit our website at www.emprisebank.com.
Emprise Bank is an EEO/AA/ADA/Veteran Employer/Member FDIC/Drug Free Workplace.
Emprise Bank participates in E-Verify and will provide your Form-I 9 to the federal government to confirm authorization to work in the United States.