Commercial Portfolio Manager

Portfolio Management/Credit Analysis

Works as part of a relationship management team to share responsibility for the largest, and most complex portfolio within Commercial Banking.

Aids Relationship Managers with portfolio management, partner collaboration, and client engagement to develop and grow new and existing commercial business relationships.

Provides consistent, high quality, and professional service to clients.

• Negotiates and structures new and renewed commercial loans.
• Makes recommendations on loan structure and terms to next appropriate level of authority.
• Reviews and analyzes financial data and other relevant information to determine each customer’s eligibility for credit within established underwriting standards and lending policies.
• Accounts for application and underwriting quality.
• Follows up on current credits to ensure compliance with terms and conditions.
• Reviews collateral reports to ensure margin requirements are maintained.
• Affirms appropriate risk rating and takes appropriate action to collect any delinquencies.
• Serves as a mentor and provides consistent training and feedback to Credit Analysts and Credit Associates to help maintain a risk-focused approach to credit analysis.
• Identifies and recommends strategies to mitigate portfolio risk.
• Maintains a current knowledge of bank regulations.
• Ensures compliance with all Federal, State and bank policies, procedures, and regulations.

Compliance/CRA

Ensures the portfolio administration and risk management of each client relationship complies with established credit policy, procedure, and business strategy, as well as commercial and regulatory guidelines.

Participates actively in community activities to enhance the bank’s image, visibility and to reinforce the Bank’s commitment to CRA.

Maintains a current knowledge of bank regulations.

Ensures compliance with all Federal, State and bank policies, procedures, and regulations.