VP, Commercial Portfolio Manager

OneSearch Group is partnering with a respected, growth-oriented Commercial Banking institution in South Florida to identify a Vice President, Commercial Portfolio Manager. This role supports a seasoned Commercial Banking team and is responsible for the ongoing credit oversight, monitoring, and risk management of a diverse portfolio of commercial lending relationships.

The position is ideal for a credit-focused professional who thrives in portfolio management, demonstrates strong risk awareness, and partners closely with Relationship Managers to maintain portfolio quality and client performance.

Key Responsibilities:

• Manage an assigned portfolio of Commercial Banking relationships, ensuring timely completion of annual, semi-annual, and quarterly credit reviews.
• Oversee ongoing monitoring requirements, including borrower financial reporting, covenant tracking, collateral monitoring, borrowing base analysis, and post-closing items.
• Review and analyze borrower financial statements and third-party reports (e.g., appraisals, field exams, collateral exams, engineering and other diligence reports) to confirm compliance with credit terms.
• Identify early warning indicators and emerging credit risks, recommend risk rating changes, and escalate concerns as appropriate while supporting mitigation strategies in coordination with Credit leadership.
• Partner with Commercial Relationship Managers on new credit requests and existing loan events, including renewals, extensions, amendments, waivers, and modifications.
• Prepare financial spreads, executive summaries, and complete credit packages for internal underwriting and approval.
• Track, resolve, and clear financial, policy, and documentation exceptions in collaboration with lending, underwriting, and loan operations teams.
• Support efficient processing of renewals and modifications by coordinating across internal departments and serving as a key point of contact.
• Monitor past-due exposure, upcoming maturities, and borrower communication to proactively manage risk and portfolio performance.
• Maintain awareness of economic conditions and industry-specific trends impacting Commercial Banking portfolios.

Desirable Experience:

• Bachelor’s degree required (or equivalent relevant experience).
• 5 years of experience in Commercial Credit, Portfolio Management, or Credit Underwriting within a Commercial Banking environment.
• Strong understanding of Commercial Banking loan structures, credit analysis, collateral, and risk rating frameworks.
• Working knowledge of bank credit policies and applicable regulatory requirements.