Commercial Portfolio Manager II (C&I)

About the role

The Commercial Portfolio Manager II is responsible for the independent management and administration of assigned C&I commercial relationships. This role partners closely with Commercial Relationship Managers and Credit Administration to support portfolio quality, identify emerging risks and deliver responsive service to borrowers.

Responsibilities

• Independently manages assigned portfolio relationships and ongoing servicing requirements.
• Maintains portfolio performance, covenant compliance, financial reporting requirements, and credit quality.
• Evaluates emerging risks and recommends risk rating changes and corrective actions when appropriate.
• Safeguards portfolio compliance with Bank policies, procedures, and regulatory requirements.
• Conducts independent financial statement analysis, cash flow analysis, global cash flow analysis, working capital analysis, and credit risk assessment.
• Analyzes business operating performance, liquidity, leverage, and repayment capacity to identify emerging credit risks.
• Structures and underwrites commercial and industrial lending facilities, including lines of credit, equipment financing, owner-occupied commercial real estate, and other commercial loan products.
• Prepares annual reviews, renewals, modifications, and credit approval packages for assigned relationships.
• Assists in structuring credit facilities and developing recommendations for routine and moderately complex transactions.
• Evaluates business operating performance, liquidity, leverage, and repayment capacity to identify emerging credit risks.
• Serves as the primary portfolio contact for assigned borrowers regarding financial reporting, covenant compliance, renewals, and servicing matters.
• Participates in customer meetings and site visits and supports relationship development efforts.
• Collaborates with Commercial Relationship Managers to identify opportunities to strengthen customer relationships.
• Supports portfolio growth initiatives through proactive borrower engagement and relationship support.
• Provides guidance and support to less experienced Portfolio Managers and analysts.
• Demonstrates increasing expertise in commercial credit, portfolio management, and relationship management practices.

Requirements

• Bachelor's Degree in Finance, Accounting, Business Administration, Economics, or related field preferred.
• Minimum three (3) to six (6) years of commercial banking, credit analysis, portfolio management, or related experience.
• Strong knowledge of commercial credit underwriting, financial statement analysis, cash flow analysis, working capital analysis, and loan documentation.
• Knowledge of commercial and industrial lending structures, revolving lines of credit, borrowing base concepts, and business operating cycles preferred.
• Ability to independently evaluate borrower performance and credit risk.
• Strong written and verbal communication skills.
• Strong relationship management and customer service skills.
• Ability to manage multiple priorities with limited supervision.

Skills

• Strong knowledge of commercial credit underwriting, financial statement analysis, cash flow analysis, working capital analysis, and loan documentation.
• Knowledge of commercial and industrial lending structures, revolving lines of credit, borrowing base concepts, and business operating cycles preferred.
• Ability to independently evaluate borrower performance and credit risk.
• Strong written and verbal communication skills.
• Strong relationship management and customer service skills.
• Ability to manage multiple priorities with limited supervision.

Benefits

North Easton Savings Bank offers competitive benefits including health insurance, retirement plans, and paid time off. Details can be found in the Employee Handbook.

Pay

The pay range for this position is $83,534.28 - $112,771.28.

Schedule

This position is an office-based position in terms of physical demand. Employees are expected to be able to operate their fingers and hands to perform functions such as typing, writing, and filing. Employees must also be able to move throughout the office with ease while also being able to sit for extended periods of time. Employees must be able to see and hear in an office setting that does include much noise going on around one’s workspace. While this job is mainly clerical, there are instances in which employees must be able to transport up to 20 pounds.