Credit Portfolio Manager I

About the role

The Credit Portfolio Manager I provides credit analysis support for significant and complex Commercial Lending relationships and supports portfolio administration activities.

Responsibilities

• Monitor portfolio administration activities in accordance with Bank loan policies, including annual review requirements, financial covenant testing, loan maturities, and related reporting.
• Complete credit analysis and file comments for new money, renewals, modifications, and annual review requests for significant and complex Commercial Lending relationships.
• Work closely with the Credit and Lending teams to ensure timing expectations are clearly communicated and met.
• Review credit and legal documentation to ensure proper tracking and testing of financial covenants and to identify inconsistencies requiring correction.
• Maintain responsibility for the accuracy of loan risk ratings and support timely identification of portfolio risk trends.
• Absorb and provide support to the CCO with monitoring commercial portfolio risk assessments, including risk rating trends, stress testing, asset quality, and industry concentrations; prepare management and board-level reports as needed.
• Oversee internal collateral evaluation functions, including approval of analyst-prepared evaluations as needed.
• Work closely with the Commercial Credit Manager to facilitate implementation of credit and commercial systems, processes, procedures, and analysis templates.
• Support credit management in identifying opportunities to improve credit policies, procedures, workflow, efficiency, and overall portfolio administration.
• Provide key support to the CCO and serve as a liaison with internal and external audit teams, loan review, compliance, and other oversight partners, as needed.
• Lead or assist with departmental projects upon request.
• Interact with Bank clients to request financial information, answer questions during the credit process, or attend client meetings as needed.

Requirements

• Bachelor’s degree in finance, accounting, business administration, economics, or a related field preferred; an equivalent combination of education and directly related commercial credit experience may be considered.
• Five or more years of relevant experience in banking, commercial lending, credit, portfolio management, loan administration, or financial services, including at least three years of commercial credit analysis or closely related credit experience.
• Experience supporting the analysis of significant or complex commercial lending relationships, including renewals, modifications, annual reviews, risk rating support, and credit recommendations.
• Experience with portfolio monitoring activities, including covenant tracking, loan maturity monitoring, annual review requirements, and related portfolio administration.
• Experience with loan origination, portfolio monitoring, credit workflow, or similar banking systems preferred.

Qualifications

• Strong knowledge of commercial credit analysis, financial statement analysis, loan structure, risk rating assessment, collateral evaluation, covenant monitoring, lending documentation, and commercial credit policy.
• Ability to complete and review credit presentations, annual reviews, modifications, risk rating changes, and other credit-related recommendations for accuracy, completeness, policy adherence, and appropriate risk assessment.
• Ability to interpret and apply credit policies, procedures, regulatory expectations, and departmental standards in a timely, consistent, and practical manner.
• Strong analytical, mathematical, organizational, judgment, and workflow management skills, with the ability to prioritize competing deadlines and identify portfolio or credit-related concerns.
• Strong verbal, written, and interpersonal communication skills, including the ability to prepare clear credit comments, reports, correspondence, procedures, and management-level updates.
• Ability to partner effectively with Relationship Managers, Credit Analysts, Commercial Loan Administrators, risk management, audit, compliance, loan review, and senior management teams.
• Working knowledge of banking and financial services practices, including applicable commercial lending regulations, privacy requirements, and data security expectations.
• Working knowledge of loan origination and credit workflow systems, including Abrigo or similar platforms, as well as Microsoft Word, Excel, and other business applications.
• Demonstrated willingness to learn new technical skills, systems, processes, and regulatory or policy updates relevant to the commercial credit function.