Commercial Portfolio Manager

• POSITION SUMMARY** The Commercial Lending Portfolio Manager (PM)
  
  

supports the bank\'s commercial lenders and credit department by

assisting in the management, analysis, and servicing of commercial

credit relationships. This role will be actively involved in evaluating

branch referrals, assisting with loan requests and credit reviews in

coordination with commercial loan officers and the credit department.

The PM will play a key role in preliminary loan triage, credit analysis,

documentation, and ongoing client service, helping ensure the quality

and efficiency of the commercial lending process. Interested PM

incumbents may develop into a commercial loan officer depending on skill

development, training, interest and available opportunities. **ESSENTIAL

FUNCTIONS Loan Origination & Operations** - Review and triage new loan

applications, particularly branch referrals of new credits. - Pull

credit reports, verify borrower information, and identify key risk

factors. - Perform cash flow calculations and financial analyses to

support loan decisioning. - Review interim financial statements and

balance sheets to assess borrower health. - May assist with online

applications under the small business loan program, as needed.

• Portfolio & Relationship Support** - Support lenders with underwriting
  
  

loan requests; may assist the credit department with requests and

reviews as needed. - Prepare supporting analysis and documentation for

loan packages and credit files. - Tracks new loan application needs,

including the ordering and delivery of appraisals and environmental due

diligence, as required. - Assist lenders in servicing existing

relationships, including direct customer contact as needed. - Gathers

annual financial statements and tax returns to facilitate annual credit

reviews. **Documentation & Compliance** - Assemble and maintain complete

loan and credit file documentation in accordance with bank policies and

regulatory requirements. - Track loan covenants, collateral

requirements, and compliance obligations. - Support audits, loan

reviews, and examinations as required. Business Development - Represent

the bank at public functions (i.e. Chamber events, 1Berkshire, ribbon

cutting and open houses). - Assist lenders and Retail staff with

opportunity identification, particularly within markets where strategic

growth is priority. May call on customer prospects within their credit

exposure authority to help grow loans, deposit and cash management

products, and identify referral opportunities for other bank areas (i.e.

planning and wealth management). **Qualifications:** - Bachelor\'s

degree in business, finance, accounting, or a related field preferred. -

2-5 years of experience in commercial credit analysis, portfolio

management, or related banking role. - Strong skills in financial

statement review, cash flow analysis, and credit underwriting. -

Familiarity with commercial loan structures, credit line management, and

construction lending processes. - Proficiency in Microsoft Excel and

loan/credit systems. - Strong organizational skills, with the ability to

manage multiple tasks and deadlines. - Excellent communication and

interpersonal skills for internal collaboration and client contact.

• Competencies:** - Detail-oriented with strong analytical judgment. -
  
  

Team-oriented and comfortable working closely with lenders, credit

officers, branch personnel and customers. - Proactive problem-solver

with a focus on accuracy and risk management. - Professional presence

with the ability to communicate effectively with clients when needed.