AVP Commercial Portfolio Manager

Do you desire a career that provides you with opportunities to learn, grow, and impact your community? Flatirons Bank is seeking candidates from all backgrounds to join our team. 

We are looking for driven, reliable, hardworking candidates who want to make a difference in their community and work for a company where their opinion counts. We want our employees to be proactive, resourceful, communicative, efficient, and to provide key input into the future success of our team. If your goal is to build a career with impact and influence, consider joining the dedicated team at Flatirons Bank.

WHO WE ARE

Flatirons Bank is a full-service independent bank dedicated to serving the financial needs of individuals, businesses, and nonprofits in Boulder County. With locations in Boulder and Longmont, we provide personalized banking experience, making all our decisions locally. Since our inception over two decades ago, our goal has been to bring more to banking in Boulder County. We take pride in developing personal relationships with our clients while maintaining the highest level of professional service. Our suite of services includes Personal and Business Banking services, Professional Services Banking, Treasury Management, Mortgage Lending, and Commercial Real Estate Lending solutions. 

Flatirons Bank not only provides personalized and innovative banking solutions for our clients, but our employees also personally contribute to making a difference in the Boulder County community through a variety of nonprofit organizations. Flatirons Bank’s headquarters location in Boulder was the first in the county to achieve LEED Gold certification upon its opening in 2009. The Bank actively works towards being a community leader that balances purpose with profit by considering the impact of its decisions on its stakeholders: employees, clients, vendors, community, and the environment. By working at Flatirons Bank, you are helping your neighbors and local businesses thrive.

            Website                      www.flatirons.bank                               Contact            careers@flatirons.bank

ROLE AND RESPONSIBILITIES

The AVP, Commercial Portfolio Manager (“PM”) serves as a primary credit partner to Relationship Managers and plays a key role in the execution and ongoing management of the Bank’s commercial lending relationships. This role is responsible for leading the underwriting, structuring, and portfolio management of commercial credit opportunities, from initial evaluation through approval and ongoing monitoring. The Portfolio Manager works closely with Relationship Managers to deliver responsive, well-structured credit solutions while maintaining strong asset quality and alignment with the Bank’s risk appetite. This position requires a balance of strong analytical capability, sound credit judgment, and the ability to communicate effectively with both internal stakeholders and clients.

Credit Underwriting & Deal Execution

• Lead the underwriting and structuring of commercial credit opportunities, including evaluation of borrower strength, guarantor support, collateral position, repayment sources, and key risks 
• Take ownership of assigned credit opportunities, driving the process from initial structuring through approval, closing support, and ongoing monitoring 
• Along with Credit Analysts, prepare clear, well-structured credit approval packages, including identification of risks, mitigants, policy exceptions, recommended structure, and risk rating 
• Partner with Relationship Managers and senior credit leadership to develop appropriate loan structures, terms, and covenants 
• Apply advanced financial analysis, including trend analysis, ratio analysis, global cash flow analysis, and industry considerations 
• Present credit requests at Loan Committee and respond to questions as appropriate

Portfolio Management & Risk Oversight

• Maintain accountability for the performance and quality of assigned loan portfolios 
• Monitor financial reporting, covenant compliance, collateral position, and overall credit risk 
• Identify early warning signs of deteriorating credit quality and recommend appropriate action 
• Coordinate and complete annual reviews, renewals, and other credit actions in a timely manner 
• Ensure accuracy of risk ratings and adherence to loan policy and approved structure 
• Partner with Relationship Managers and credit leadership on restructuring, extensions, or workout strategies when needed

Relationship Partnership & Client Support

• Serve as a key credit partner to Relationship Managers in managing both new and existing client relationships 
• Collaborate with Relationship Managers and clients on appropriate loan structure and credit solutions 
• Participate in meetings with current and prospective clients, as appropriate, to support deal structuring and due diligence 
• Support the Bank’s consultative approach to relationship management, including onboarding new relationships and managing existing relationships 
• Serve as a trusted internal resource on credit-related matters

Credit Process & Execution

• Coordinate with Credit Analysts to review financial spreads and ensure accuracy and completeness of underwriting 
• Work closely with loan administration, Relationship Managers, and clients to coordinate loan closings after all approval conditions are met 
• Assist in reviewing loan documentation prior to closing 
• Support timely movement of deals through the pipeline to ensure responsiveness and efficiency 
• Assist with construction loan monitoring processes as needed, including coordination with internal or third-party resources

Team Support & Collaboration

• Provide guidance and support to Credit Analysts in underwriting, financial analysis, and credit presentation 
• Share knowledge and best practices with credit and lending team members 
• Collaborate with credit administration, operations, and lending teams to improve workflow and communication 
• Contribute to consistency and quality of credit work product across the team

Risk, Compliance & Market Awareness

• Maintain knowledge of Bank policies, procedures, and applicable federal and state regulations 
• Ensure compliance with internal credit standards and regulatory requirements 
• Maintain awareness of market conditions, economic trends, and industry developments impacting borrowers 
• Support sound credit administration practices, including documentation, reporting, and file maintenance

EDUCATION / EXPERIENCE / SKILLS

• Bachelor’s degree in Finance, Accounting, Business, or related field, or equivalent experience
• Approximately 5-10 years of experience in commercial credit, underwriting, or portfolio management
• Strong experience analyzing financial statements, tax returns, and commercial credit structures
• Solid understanding of commercial lending products, including commercial real estate and commercial & industrial lending
• Strong reasoning and writing skills to efficiently communicate well supported rationale for all types of credit decisions and actions.
• Exceptional oral, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, interpret documents, understand procedures, write reports and correspondence, speak clearly to customers and employees.
• Strong skills in word processing and spreadsheet software.
• Knowledge of related state and federal banking compliance regulations, and Bank policies and procedures a plus.
• Excellent organizational and time management skills.
• Ability to work with little supervision while performing duties.

COMPENSATION AND BENEFITS

• The position’s pay range starts anywhere between $90,000 and $115,000 annually 
• An annual bonus may be paid to eligible employees based upon organizational and individual performance
• Medical, dental and vision insurance
• Employer paid short-term and long-disability insurance
• Employer paid life insurance
• Employer-matching 401K
  • Guaranteed Safe Harbor Match
  • Discretionary Yearend Profit-Sharing Match
• Health Savings Account (HSA) with company contribution
• Health Reimbursement Arrangement (HRA)
• Paid-time off (PTO)
• Sick Time Off
• Volunteer time off
• Paid parking

REPORTING

Supervision Received    
    Directly:      SVP, Chief Credit Officer
    Indirectly:    N/A 
Supervision Exercised    
    Directly:     N/A
    Indirectly:   N/A
 

Salary : $90,000 - $115,000