What are the responsibilities and job description for the Commercial Portfolio Manager position at MRISpokane?
Commercial Portfolio Manager
Position Summary
The Bank is seeking an experienced Commercial Underwriter to join its commercial credit team in a collaborative, relationship-focused environment. This role partners closely with Commercial Relationship Managers to evaluate new and existing credit opportunities, structure transactions, and provide sound credit recommendations that support long-term client relationships while maintaining strong portfolio quality.
The ideal candidate brings a solid commercial credit foundation with experience analyzing commercial real estate and commercial & industrial transactions. This individual enjoys working directly with lenders, thinking critically about credit risk, and contributing to a collaborative credit culture where decisions are made close to the customer.
Responsibilities
Analyze commercial loan requests, including commercial real estate, construction, owner-occupied real estate, investment real estate, and C&I transactions.
Prepare comprehensive credit presentations, financial analyses, and risk assessments.
Evaluate borrower and guarantor financial statements, tax returns, global cash flow, debt service coverage, and collateral.
Assess transaction structure, repayment sources, covenant compliance, and overall credit risk.
Partner with Commercial Relationship Managers throughout the underwriting process while providing thoughtful credit recommendations.
Assist with renewals, modifications, annual reviews, and ongoing portfolio monitoring.
Ensure credit packages comply with bank policy and regulatory expectations.
Communicate effectively with lenders and credit leadership throughout the approval process.
Qualifications
3 years of commercial underwriting, credit analysis, or portfolio management experience.
Experience underwriting commercial real estate and commercial & industrial loans.
Strong understanding of commercial financial statement analysis and cash flow analysis.
Ability to analyze complex credit relationships and communicate recommendations clearly.
Experience working within a community or regional bank environment preferred.
Bachelor's degree in Finance, Accounting, Business, or related field preferred.
What Makes This Opportunity Attractive
Collaborative community banking culture with direct interaction between lenders and credit.
Diverse portfolio including commercial real estate, construction, C&I, multifamily, and agricultural lending.
Strong credit quality and disciplined underwriting philosophy.
Opportunity to make meaningful contributions while supporting experienced commercial lending teams.
Stable, well-capitalized institution with a long-term relationship banking focus.