Commercial Portfolio Manager II

About the role

The Commercial Portfolio Manager supports the commercial loan and deposit portfolio of one or more Relationship Managers, providing quality underwriting, sound portfolio management, and superior client service.

Responsibilities

• Analyzes financial information to evaluate the credit worthiness of new loan requests, renewal loan requests, and on-going Portfolio Management activities.
• Completes industry research, as needed, supporting existing and new Customers to the Bank.
• Compiles commercial loan packages, ensuring completeness and accuracy of information provided.
• Guides the loan request through the Credit Approval Process and ensures that structure meets the needs of the client and the operating objectives of the Bank.
• Monitors and services the large commercial loan portfolios of the supported Commercial Bankers through quality portfolio management work.
• Properly grades risk of each loan in the assigned portfolio, per policy, and recommends adjustments to risk grades as circumstances change or new information becomes available.
• Assists Relationship Manager in credit presentation to Credit Administration or other leaders and Committees at the Bank.
• Ensures that all required documentation is in file for all loans and treasury management approvals.
• Works with the Relationship Manager and the LOA to help clear documentation or compliance deficiencies noted by Loan Operations or other review.
• Periodically accompanies Relationship Manager on calls with existing and/or prospective Customers as requested.
• Builds and maintains a positive working relationship with internal business partners and external parties.
• Undertakes special projects related to job function as determined by Credit Administration Leadership.
• Continuously updates skills by participating in professional training and seeks opportunities to improve skills through cross-training offered by the Bank.

Qualifications

The ideal candidate will have a four-year degree in Business Administration, Finance, Accounting, or a related field, and a minimum of 4-6 years of experience in credit analysis, commercial banking, business banking with at least 2 years of specific portfolio management and/or underwriting experience supporting Middle Market.

• Familiarity with loan structuring and loan documentation is required.
• Knowledge of accounting and lending principles, as well as excellent oral and written communication skills.
• In-depth knowledge of Federal and State lending regulations and Bank policies related to lending procedures.

Skills

• Excellent interpersonal skills.
• Proficient in Microsoft Excel and Word.
• Strong organization skills.
• High attention to detail.
• Cooperative and willing to assist coworkers and customers on a regular basis.
• Effective listening skills.
• Multitasking skills and ability to function well under pressure.
• Ability to remain composed under pressure and respond to customer and coworker concerns regularly.
• Patience and willingness to help others in solving problems while maintaining a positive attitude.