Commercial Portfolio Manager

Responsibilities

• Evaluates structure and underwrites loan exposure independently
• Ensures compliance with all bank requirements and Credit Policy
• Manages the approval and commitment process, including Senior Loan Approval Committee
• Manages credit risk and exposure for an assigned portfolio
• Initiates credit modifications and risk rating changes
• Modifies terms and frequency of covenants, prepares financial reports, and manages collateral security
• Maintains timely renewals of loan maturities for assigned lending team
• Manages covenant compliance by monitoring, testing, and preparing waivers and reservation of rights letters
• Facilitates borrower financial reporting submissions to Bank
• Evaluates financial performance of borrower and determines appropriate risk rating
• Identifies early client risk/exposure and volatile industries/market conditions for assigned portfolio within designated region
• Maintains timely credit file updates
• Collaborates in coordinating pre-closing activities
• Interacts with existing customers and prospects on credit or risk-related matters via phone/email and may visit in person
• Identifies cross-sell opportunities

Requirements

• Ability to make lending recommendations based on analysis of borrower's capacity to repay, collateral, management ability, and character
• Demonstrated proficiency in working with loan documentation
• Ability to conduct diligence sessions with borrowers as needed to assess loan risk
• Act as a liaison between assigned lending team and Credit Administration/Operations Department

Qualifications

• Three or more years of credit underwriting and portfolio management experience
• Bachelor's degree in Business, Accounting, Finance, Economics, or a related field
• Formal credit training preferred
• Generalist commercial credit experience highly preferred
• Ability to utilize deductive and inductive reasoning to solve problems
• Ability to understand new information and apply it for future problem-solving and decision-making

Skills

• Strong analytical and problem-solving skills
• Proficiency in loan documentation and credit policies
• Excellent communication and interpersonal skills
• Ability to manage multiple tasks and deadlines

Benefits

Our benefits package includes:

• Competitive compensation with performance-based incentive awards
• Health and dental insurance
• A 401(k) and defined contribution retirement plan
• LTD and life insurance
• Paid vacation
• Day care reimbursement
• Tuition assistance for undergraduate and graduate programs
• An award-winning wellness program
• And much more!

Culture

We foster a collaborative, inclusive, and values-driven culture that encourages professional growth, innovation, and work-life balance. We are deeply committed to community involvement, financial education, and creating a workplace where individuals can build meaningful, long-term careers.