Commercial Portfolio Manager Development Program

POSITION TITLE:                                                                                                     REPORTS TO:

Commercial Portfolio Manager                                                                                                                              VP, Credit Department Manager

POSITION SUMMARY: 

The Commercial Portfolio Manager is responsible for the ongoing management, monitoring, and administration of a portfolio of commercial loans. The role ensures the Bank maintains sound credit quality, compliance with regulatory and policy requirements, and timely service to commercial clients. The Portfolio Manager supports Relationship Managers in structuring, underwriting, and servicing loans, while acting as a resource for credit analysis, and portfolio reporting.

Portfolio Administration & Monitoring

• Maintain oversight of a portfolio of commercial loans (C&I, CRE, SBA, and small business).
• Conduct regular portfolio reviews, including covenant testing, collateral monitoring, financial statement tracking, and annual credit reviews.
• Monitor borrower performance through financial analysis, site visits, and client communication.
• Identify emerging risks and recommend appropriate actions, including restructuring, downgrades, or enhanced monitoring.

Credit Support

• Prepare credit memoranda for renewals, extensions, modifications, and annual reviews in accordance with Bank policy.
• Provide input into risk ratings and work with Credit Administration to ensure accuracy and compliance.
• Ensure timely and complete documentation consistent with regulatory and policy requirements.

Relationship & Client Service

• Serve as a secondary point of contact for clients to ensure timely response to inquiries, requests, and service issues.
• Participate in client and prospect meetings with Relationship Managers as needed.
• Identify opportunities for additional services (deposits, treasury, merchant services) and refer to Relationship Managers and/or cross sell.

Reporting

• Assists in monthly/quarterly reporting related to the tracking of financial statements, annual reviews, loan policy exceptions, loan covenants, etc. 
• Assists in the reporting on and creation of various portfolio level reports, such as stress testing, portfolio management, etc. 
• Responsible for creating ad hoc reporting using the Bank’s loan origination system.

Collaboration & Team Support

• Partner with Relationship Managers, Loan Operations, and Credit Administration to ensure efficient loan origination and servicing.
• Contribute to departmental goals, reporting, and projects as assigned.

SKILLS & ATTRIBUTES:

EXPERIENCE & EDUCATION:

PHYSICAL DEMANDS:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential function.

While performing the duties of this job, the employee is regularly required to use hands to finger, handle or feel objects, tools or controls; reach with hands and arms; and talk or hear. The employee frequently is required to stand, walk, sit, and climb stairs. Specific vision abilities required by this job include close vision, distance vision, peripheral vision, depth perception, and the ability to adjust focus.

WORK ENVIRONMENT:

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

The noise level in the work environment is moderate.