Commercial Portfolio Manager

About the role

At Five Star Bank, our success is built on trusted relationships, local decision-making, and a commitment to delivering outstanding financial solutions. As a Portfolio Manager, Commercial Banking, you will work closely with Relationship Managers and clients to support a portfolio of commercial relationships, providing financial analysis, credit expertise, and ongoing portfolio management. This role is integral to helping businesses grow while maintaining the strong credit quality and customer-focused approach that define Five Star Bank.

Responsibilities

• Responsible for supporting Relationship Managers (RM) along with Credit Administration with maintenance of assigned customer relationships.
• Assists with the gathering of financial and general business information and other required information as dictated by the loan documents.
• Facilitates the preparation of credit underwriting and analysis of existing loans in connection with reviews, renewals and modifications. This also requires assessing and ensuring risk rating is appropriately assigned.
• Prepares and conducts periodic reviews of commercial loans and credit facilities to assess portfolio performance and credit quality, monitor financial covenant compliance, and analyze customer-provided reporting to evaluate borrowing base availability and ongoing financial performance.
• Spreads financial statements (both existing and prospects) into bank’s internal models including year end, interim, and projection numbers.
• Provides monthly reports and assistance in monitoring maturing loans and lines of credit.
• Assists in facilitating closing transactions by reviewing all loan documentation (back-up function).
• Monitors the appraisal and environmental review process as requested through our outside vendor partner and communicates with RM’s as required.
• Maintains clean credit files and ensures all pertinent documents are timely filed in the appropriate section.
• Tracks and monitors monthly policy exceptions, resolving collateral exceptions, as well as loan review exceptions.
• Attends client/prospect calls with Relationship Manager’s as directed.
• Demonstrates the standards and principles of the Five Star Bank experience in every interaction with internal and external customers and associates.
• Incorporates the high performance behaviors of teamwork, leading by example and service in every facet of work.

Qualifications

Education: Bachelor’s Degree

Prior Experience: 3+ years of financial analysis or credit analysis or prior portfolio management experience in Financial Services

• Strong written and verbal communication skills, with the ability to clearly convey complex financial and credit information to clients, colleagues, and senior leadership.
• Proficiency in Microsoft Office Suite and the ability to quickly learn and effectively utilize banking, credit, and portfolio management systems.
• Excellent interpersonal and relationship-building skills, with the ability to collaborate effectively with customers, Relationship Managers, credit partners, and colleagues across all levels of the organization.
• Strong analytical, critical thinking, and problem-solving skills, with the ability to evaluate financial information, identify risks, and exercise sound business judgment.
• Working knowledge of commercial credit principles, lending policies and procedures, financial statement analysis, and basic accounting concepts.
• Exceptional organizational and time management skills, with the ability to manage multiple priorities, meet deadlines, and maintain a high level of accuracy in a fast-paced environment.
• Commitment to providing outstanding service to both internal and external customers while supporting a relationship-focused banking culture.

Physical Requirements

Able to travel occasionally throughout corporate footprint. Extensive computer usage is required.

Benefits

• Medical, Dental, and Vision Insurance
• Health Savings Account
• Flexible Spending Account(s)
• Company Paid Life Insurance, Long-Term Disability, and Short-Term Disability
• Voluntary Offerings: Life, Critical Illness/Specified Disease, Accident, Hospital Indemnity, Legal Insurance & Personal Accident
• Tuition Reimbursement
• Employee Referral Program
• Wellness Reimbursement Program
• Star Volunteer Program
• Employee Banking and Financial Perks
• Flexible Hybrid Work Schedule
• Paid Time Off (PTO)
• Company Paid Holidays