C&I Portfolio Manager

Purpose Of Position

The C&I Portfolio Manager is responsible for the ongoing management of an assigned loan portfolio consisting of commercial and industrial, nonprofit and CDFI sectors. This role focuses on credit execution, monitoring and analysis to ensure portfolio performance, policy compliance and timely risk identification.

Portfolio Management

Provide ongoing daily management of assigned loan relationships within bank policy and customer service standards. Request, analyze, and assess borrower financial reporting and project performance information on a timely basis. Underwrite and recommend loan modifications, renewals, waivers, and amendments. Review financial statements, models, collateral reporting, third-party reports, and appraisals; escalate issues as appropriate. Prepare credit memoranda, risk rating recommendations, and approval packages in compliance with Bank guidelines. Coordinate with legal counsel on documentation for borrower execution. Work with third-party vendors (e.g., appraisals, environmental, and consultants) as required. Communicate clearly with internal partners and borrowers regarding portfolio issues and requirements. Monitor covenant compliance and document exceptions. Maintain accurate and complete credit files and portfolio documentation. Prepare reporting for internal portfolio reviews and loan quality meetings. Present credit updates periodically to senior management, including credit risk management. Respond to information requests from internal stakeholders and auditors. Identify emerging risks within assigned portfolio and escalate concerns to management. Provide secondary approval for advances after determining that all conditions to advances have been met. Collaborate and contribute professionally. Support team members through collaboration and knowledge sharing. Provide input on process improvements and workflow enhancements. Maintain proactive communication with relationship managers and internal partners. Demonstrate accountability for individual deliverables and deadlines. Recommend ways to improve the organization. Proactively manage loan relationships by setting appropriate client expectations and meeting deadlines.

Knowledge, Skills, And Experience Requirements

Bachelor’s degree in Business Administration, Finance, Accounting, or related field, or equivalent commercial credit experience. 5-10 years of relevant experience in commercial banking, project finance, structured finance, or climate/renewable energy lending. Demonstrated ability to analyze financial statements, cash flows, and financial models to assess borrower and project performance. Working knowledge of commercial loan structures, collateral, covenants and credit risk principles. Experience preparing credit memoranda, risk rating recommendations, and loan approval packages. Strong attention to detail and ability to manage multiple priorities and deadlines. Proficient in Microsoft Excel and other productivity tools; ability to learn and use internal bank systems effectively. Strong written and verbal communication skills, with the ability to present clear, organized credit analysis. Demonstrated professionalism, accountability, and collaborative work style. Ability to exercise sound judgment within established policies and escalate issues appropriately.

Pay

The starting base salary for this role is between $130,000.00 – $150,000.00. The actual base pay is dependent upon many factors, such as: training, transferrable skills, work experience, business needs and market demands.

Hybrid Work Model

Effective February 18, 2025, employees in office-based positions will be working a Hybrid work schedule consisting of three days or more, on-site per week, Monday - Thursday, although the specific days may vary by site or organization, with Friday designated as a remote-working day, unless business critical tasks require an on-site presence. This Hybrid work model does not apply to, and daily in-person attendance is required for, the contact center, branch service roles, and general services where the work to be performed is located at a Company site; positions covered by a collective-bargaining agreement (unless the agreement provides for hybrid work); or any other position for which the Company has determined the job requirements cannot be reasonably met working remotely.