What are the responsibilities and job description for the Commercial Portfolio Manager - Champions position at stellarbank?
Research shows that individuals from historically underrepresented groups may hesitate to apply for roles unless they meet every listed requirement. If you believe your skills, knowledge, and experience align with the role, even if they don’t exactly match the listed qualifications, we encourage you to apply. Your unique talents may be exactly what we’re looking for.
The Commercial Portfolio Manager manages a portfolio of commercial loan relationships with increasing independence, leads the renewal and annual review process, serves as the secondary point of contact for existing clients on servicing matters and collaborates with Relationship Managers to identify new lending opportunities from the current portfolio.
ESSENTIAL DUTIES AND RESPONSIBILITIES
Portfolio Management:
- Independently manage a portfolio of commercial loan relationships across multiple Relationship Managers, potentially across multiple locations.
- Liaise between Commercial, Credit, and Operations teams.
- Conduct credit reviews and maintain accurate risk ratings.
- Ensure compliance with financial covenants and servicing requirements.
- Lead the renewal and annual review process.
- Structure modifications to existing exposures and monitor portfolio performance.
- Manage maturing loans to ensure timely renewal prior to maturity.
Credit Analysis and Risk Management:
- Manage credit risk with prior credit training.
- Analyze trends within the loan and deposit portfolios and mitigate risks.
- Monitor financial spreads with receipt of interim financial reporting.
- Work with Credit Analysts on narrative comments and review overall credit packages.
- Review loan documentation.
- Present credit packages or comment during Loan Committees for assigned portfolio loans.
Client Interaction and Support:
- Serve as the second point of contact for prospective customers and the first point of contact on loan underwriting and routine reporting matters for existing customers.
- Attend initial sales calls with Lenders.
- Work with clients to collect documentation and answer questions during loan underwriting.
Compliance and Administrative Support:
- Handle Anti-Financial Crimes requests for information and liaise between the bank and customers.
- Assist with front-end data entry for renewals, modifications, and new opportunities from the portfolio.
- Order and review field audits.
- Assist with ACH and RDC reviews and approvals.
- Verify and approve wires and overdrafts.
- Compliance with any and all BSA/AML/CFT and Sanctions requirements set forth by Bank Policy and Procedure, including but not limited to timely completion of assigned training.
SECONDARY DUTIES
The position performs duties specific to the position and other functions as assigned by management.
SUPERVISORY RESPONSIBILITY
This position is not responsible for the supervision of staff.
ENVIRONMENT AND PHYSICAL ACTIVITY
The incumbent is in a non-confined office setting in which they are free to move about at will. In the course of performing the duties and responsibilities of this position spends time writing, speaking, listening, lifting (up to 25 pounds), sitting, typing on a computer keyboard, and standing, kneeling and reaching.
The incumbent for this position may operate any or all of the following: telephone, copy and fax machine, adding machine, computer and related printers.
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential function of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The incumbent in this position must be able to read documents or instruments, detailed work, problem solving, customer contact, reasoning, math, verbal and written communication, analytical reasoning, multiple tasks with constant interruptions.
MINIMUM REQUIREMENTS
These specifications are guidelines based on the minimum experience required to perform the essential functions of the job. Individual abilities may result in some deviation from these guidelines:
- Bachelor’s degree in finance, accounting, business, or related discipline; MBA or CFA preferred.
- 2 years of experience in commercial lending, credit underwriting, or portfolio management.
- Solid understanding of credit risk, loan structuring, and financial analysis.
- Demonstrated ability to manage a portfolio independently.
- Strong analytical, problem-solving, and decision-making skills.
Stellar Benefits:
We believe that empowering people goes far beyond the workplace. That’s why we’ve designed our benefits to help foster your health and prosperity, so you can best support yourself, your loved ones and your communities
- Health Care Coverage, no waiting period
- Dental/Vision
- STD/LTD
- Annual Performance Bonus Eligible
- 401K with company match
- Paid Vacation
- Volunteer days
- Travel Stipend
- Tuition Assistance
- And More
What it Means to Be Stellar:
Stellar Bank came to be in 2023, when Allegiance Bank and CommunityBank of Texas joined forces. What emerged was a financial institution like no other. Stellar bankers set the standard for responsive, relationship-based community banking. We have the resources, dedication and personal focus to out-bank the big banks and out-service the small banks. Our customers see us as a vital part of the team. We are their financial experts who go above and beyond to help them form a plan and get it done
Join Stellar Bank and, yes, you’ll be providing outstanding banking. But you’ll be achieving something much greater. At Stellar, we empower people to thrive. This is our purpose. This would be your purpose. Here you’d be part of a supportive culture where relationships bond, individuals grow, communities prosper and careers flourish. You can make a difference at Stellar – for yourself and for everyone around you.
Stellar Bank does not discriminate on the basis of race, color, religion, national origin, sex, disability, familial status or any other characteristic protected by applicable federal, state, or local laws, regulations and ordinances.