Commercial Portfolio Manager II (CRE)

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.
• 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.
• Coordinates with Commercial Relationship Managers to identify opportunities to strengthen customer relationships.
• Assists in evaluating and underwriting new commercial real estate lending opportunities.
• Prepares term sheets, commitment letters, and supporting documentation for new and existing 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, commercial real estate underwriting principles, and loan documentation.
• Knowledge of commercial real estate valuation concepts, lease analysis, debt service coverage, collateral evaluation, and commercial real estate market fundamentals 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.

Qualifications

• Experience supporting commercial real estate loan portfolios, including investor and owner-occupied properties.
• Experience analyzing commercial property cash flow, rent rolls, appraisals and collateral performance.

Skills

• Independent evaluation of 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 is dedicated to being an equal opportunity workplace. To reach and maintain this goal, the Bank strictly prohibits harassment and discrimination based on gender, sex, race, ethnic background, age, physical disability, mental disability, and anything else protected by law. North Easton Savings Bank welcomes diversity and we believe that diversity is the root of successful teams and an overall successful workplace.

Pay

The pay range for this position is $83,534.28 - $112,771.28. Actual pay will depend upon several factors including, but not limited to, relevant education, qualifications, certifications, experience, business or organizational needs, affordability and market pay.