Loan Portfolio Manager / Commercial Loan Underwriter

At The Equitable Bank, strong portfolios are built through thoughtful decisions, local insight, and people who take the time to understand the full picture.

As a community bank, those decisions are made here—through real conversations, close collaboration, and a deep understanding of the businesses we serve.

This role isn’t just about underwriting—it’s about having a voice. A seat at the table where your perspective helps shape the direction of our commercial portfolio.

Summary:     

The Portfolio Manager / Commercial Loan Underwriter provides a wide range of credit-related functions relative to the ongoing management of the Bank’s loan portfolio.

Essential Duties and Responsibilities:

• Works in collaboration with Relationship Managers to source sound and profitable credit relationships.
• In collaboration with the Chief Credit Officer, oversees key underwriting functions for the Bank, including new loan originations, renewals, and the annual loan review program.
• Performs comprehensive portfolio-level risk analyses, assessing borrower, collateral, and business line concentrations; conducts stress testing and leverages economic data in support of CECL modeling and requirements.
• Monitors relevant market trends to identify emerging credit issues and inform management as needed.
• Analyzes collateral as a source of repayment and uses knowledge of various collateral types to assess loss potential.
• Participates in special projects as needed and performs other duties as assigned.
• Follows established lending procedures and makes recommendations to change policies/procedures when needed.

Job Skills Requirements:

• Excellent organizational, time management and problem-solving skills.
• Experience using underwriting platforms such as SageWorks, Baker Hill, Moody’s, or similar applications is preferred.
• Proficient working knowledge with computer applications including Microsoft Word, Excel and Outlook.
• Extensive knowledge of financial institution policies and procedures, regulations, and business practices.
• Advanced analytical, loan structuring, underwriting, documentation, credit analyst skills are required.
• Excellent interpersonal skills; collaborate and maintain working relationships internally and externally.
• Ability to effectively communicate with all levels of management, employees and customers.

Education Requirements:

• Bachelor’s degree in accounting, business administration, finance or other applicable field from an accredited university or equivalent combination of education and experience required.
• Experience underwriting C&I, CRE, and construction loans; experience with alternative financing programs (e.g., SBA) is preferred.
• Extensive knowledge of lending products, services, lending regulations and compliance requirements.