Associate Commercial Portfolio Manager

Responsibilities

• Aid in managing a portfolio of commercial clients.
• Respond to client inquiries and provide assistance with banking products and services.
• Act as a liaison between clients and internal departments such as Credit, Treasury, and Operations.
• Conduct financial analysis of borrowers and guarantors, including reviewing business and personal financial statements, tax returns, and other documents.
• Complete global cash flow computations, calculate performance ratios, and analyze multi-year trends.
• Communicate a thorough understanding of client cash flows in analyses and meetings.
• Research industry trends and data to identify questions and risks for each credit.
• Perform analysis of loan collateral, including accounts receivable, equipment, inventory, real estate, and marketable securities.
• Review existing credits for compliance with financial and reporting covenants.
• Ensure identification of loan policy and document exceptions.
• Write high-quality credit narratives, covering background of the borrower, key risks, financial performance, and collateral position.
• Demonstrate understanding of the loan process from preflight memos through loan servicing.

Qualifications

• Bachelor’s Degree with an emphasis in Finance and/or Accounting required.
• 3-5 years of relevant experience within banking or financial services required.
• Strong organizational, time management, problem-solving skills, and the ability to quickly grasp concepts and processes with limited guidance.
• Comfortable working with and adapting to new complex systems and technology, such as Salesforce and nCino (preferred).
• Ability to support multiple projects in parallel and prioritize competing demands.
• Embody Fortis Bank culture principles and competencies, demonstrating a positive, ambitious, and solution-oriented attitude with clients and team members.
• Proficient and experienced in Microsoft Office suite products and technology, including Outlook, Microsoft Teams, Word, Excel, and PowerPoint.
• Communicates effectively, collaboratively, and professionally, both verbally and via email and other chat tools.
• Excellent organizational skills, regularly demonstrating the ability to multitask, prioritize, and manage time efficiently.
• Demonstrates strong interpersonal skills, building meaningful professional relationships with senior management and team members.

About the Role

The Fortis Associate Commercial Portfolio Manager (“APM”) supports Commercial Portfolio Managers in underwriting new loan opportunities and loan servicing actions of existing clients. The APM assists in managing commercial credits and partners closely with Bankers, Portfolio Managers, and Relationship Managers to deliver outstanding solutions to clients. This role requires a high degree of attention to detail and discretion, as well as the ability to incorporate new and effective ways to achieve better results.