AVP Portfolio Manager (C&I)

Position Summary

The Commercial Loan Portfolio Manager is the primary contact for established borrowing clients. Under the general direction of the department head and its Commercial Lenders, this position's primary responsibilities include all aspects of portfolio management as it relates to assigned portfolio loans together with the cross selling of Bank products and services. Additional responsibilities include interacting and liaising with other areas of the bank predominantly the credit, compliance, operations, and treasury management.

Essential Functions & Responsibilities

• Compliance & Risk Management
  Protect the Bank’s assets and maintain quality of portfolio by adhering to lending processes, policies & procedures, legal and ethical requirements and regulations, audit requirements, and established risk management guidelines.
  Support internal audits and regulatory examinations by providing complete documentation and compliance reporting.
  Exercise individually held unilateral discretionary limits, as well as any held prescribed approval discretionary limits (i.e.: overdrafts, credit applications), ensuring credit decisions and recommendations are in accordance with sound credit-granting principles and in compliance with the Bank’s policies and related procedures; complete analysis; confirm security valuations; complete and approve credit applications for authorizations under Lending Policy.
  Adhere to Know Your Customer Rules and Bank Policies & Procedures for the prevention of loss due to fraud, counterfeiting, money laundering, or defalcation; identify and report suspicious and other reportable transactions or patterns of activity that are suspected to be related to money laundering;
  Timely completion of all AML/KYC due diligence.

• Client Performance Management
  Oversee documentation and ongoing monitoring of asset and client performance;
  Actively manage portfolio to maximize return and credit quality;
  Prepare/oversee preparation of concise, well reasoned credit correspondence;
  Obtain credit concurrence as client advocate;
  Responsible for monitoring covenants of clients within assigned portfolio to identify deteriorating credit conditions and compliance with loan agreement;
  Ensure that documentation required for renewals/reviews are collected and delivered to credit on a timely basis.

• Sales Support and Internal Stakeholder Collaboration
  Identify new lending and cross-sell opportunities by developing and maintaining strong client relationships;
  Strive to obtain a comprehensive working knowledge of current book of commercial lending clients;
  Maintain key ongoing contact with clients in conjunction with Commercial Lenders;
  Initiate and engage in daily dialogue with Commercial Lenders regarding new client developments;
  Partner with treasury and deposit teams to support client needs related to cash management, account maintenance, and ongoing service requests;
  Collaborate across finance, credit administration, and other internal groups to support portfolio reporting, internal reviews, and external deliverables;
  Lead end-to-end due diligence for new transactions, coordinating with borrowers, legal counsel, third-party providers, and internal stakeholders to validate financial, legal, and collateral information prior to closing.

• Credit Assessment & Management of Workflow
  Manage a large, diversified commercial loan portfolio as part of a front-line relationship management team;
  Prepare preliminary deal screens, term sheets, and supporting materials for new and expanding credit opportunities in coordination with lenders;
  Draft credit submission memoranda and maintain accurate pipeline tracking to support timely credit decisioning;
  Conduct on-site visits and meetings with borrowers to evaluate collateral quality, management strength, and operational risks;
  Review loan documentation for consistency with approved credit terms; coordinate and negotiate revisions with legal counsel and counterparties as needed;
  Manage pre-closing conditions and ensure all credit and documentation requirements are satisfied prior to funding;
  Lead credit renewals, re-underwriting efforts, modifications, and extensions; present recommendations to senior management;
  Monitor borrower financial performance, analyze financial statements, track covenant compliance, and identify early warning indicators;
  Prepare executive- and board-level portfolio reporting summarizing credit performance, risk trends, sector exposure, and relevant industry developments.

Qualifications & Skills

• An undergraduate degree or equivalent work experience; focal areas of finance, economics, or accounting preferred;
• 3 plus years of commercial banking or equivalent experience;
• Experience in a client facing role;
• Strong investigatory, due diligence and risk analysis skills;
• Familiarity with loan and other contractual documentation highly desirable;
• Diligent, detail-oriented and thorough;
• Persistent and willing to follow through to resolve and document issues appropriately and in a manner in keeping with sound risk management practices;
• In-depth understanding of Commercial Products, Commercial Lending Process, Commercial Lending Directives, all supporting processes and technology;
• Working knowledge and ability to execute Risk Management practices and strategies;
• Able to work independently with minimal supervision;
• Driven by a passion and curiosity to continuously learn how various technological systems, including AI, can enhance the work that you do.

Preferred Qualifications & Skills

• Proven, credit analysis experience/ understanding;
• (preferred); Successful completion of a formal bank sponsored credit training program or formal training or experience in an underwriting role (preferred).