Middle Market Banking - Portfolio Manager III

About the Company

Common sense has never been common. If it were, the world would be a different place—things would run smoothly and on time, people would do what they say and say what they do, and everything would be fair without unnecessary small talk. Banks would only sell you what you need, and bankers would see clients as individuals—dads, moms, graduates, or business owners—rather than just numbers. Our Bankers understand the complexities of people’s lives and offer simple solutions. That's the foundation of our culture: Relationships. Fairness. Simplicity®.

When you choose our Company, you have an opportunity to make an impact beyond our walls. We are committed to Equity, Diversity, and Inclusion, promoting growth, revitalization, and sustainability in the communities we serve through banking relationships, investing, grants, and volunteerism. We believe these elements are key to building a successful organization and a positive, results-driven culture. We strive to ensure all associates feel welcome and empowered at work.

About the Role

This position carries broad, end-to-end ownership of a commercial banking portfolio, from underwriting new and existing credit requests to daily management of the book. The role requires sound, independent credit judgment and the ability to exercise discretion on complex, non-routine transactions with limited oversight. Success depends on strong attention to detail, high accuracy, and reliable follow-through on competing deadlines across a varied caseload.

The ideal candidate will bring a well-developed sense of ownership and accountability, operate comfortably within defined credit policy as a guardrail rather than a script, and adapt quickly as deal structures, client needs, and market conditions change. This is a generalist role spanning multiple product types and client segments, suited for an experienced professional who works efficiently and confidently in a fast-paced, deadline-driven environment.

Responsibilities

• Serve as a generalist credit professional responsible for the full lifecycle of an assigned commercial banking portfolio.
• Underwrite new credit requests and existing renewals, structure and present complex transactions to credit officers, and negotiate credit terms and legal documentation directly with legal counsel, borrowers, and referral sources.
• Manage the health of the portfolio, including testing financial and reporting covenants, reviewing and analyzing borrower financial statements, confirming and maintaining accurate risk ratings, and monitoring compliance with credit standards.
• Collaborate with other areas of the Bank, including Credit, Loan Operations, Legal, and Executive Management, and support business development efforts.
• Drive the overall success and growth of the assigned portfolio by deepening relationships with existing clients and supporting the acquisition of new ones.
• Participate in community and business functions to enhance the bank’s image within the regional marketplace and industry-specific groups, establishing referral contacts within the community.
• Build strong rapport with clients and fellow associates, treating others with respect and consideration regardless of their status or position.
• Maintain current knowledge and consistent compliance with regulations and bank policies related to the position, including Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements.

Requirements

• Bachelor’s degree in a related field or equivalent combination of education and experience.
• 7+ years of relevant experience in commercial banking, specialty or corporate banking, or finance.
• Valid driver’s license (may not be learner’s, restricted, or “to and from work” license) and driving history that meets the Bank’s driver standards (verified via Motor Vehicle Report).

Qualifications (Preferred)

• MBA or certification in the field.
• 10+ years of relevant experience in specialty or commercial banking.
• Industry-specific credit background.
• Moody’s Risk Analyst experience.
• Completion of a formal credit training program.
• Strong communication, writing, and sales skills.

Skills and Abilities

• Proficient in Microsoft PowerPoint, Word, and Excel.
• Ability to identify key relationships to achieve strategic goals and provide strong credit knowledge.
• Clearly and enthusiastically convey information and ideas in a manner that engages and persuades clients.
• Well-developed and proven organizational skills with the ability to utilize time efficiently.
• Ability to make sound and timely decisions, consistently deliver on commitments, and assume responsibility for results.
• Comfortable reviewing and negotiating loan documentation directly with legal counsel and borrowers on complex transactions.

Work Environment

• Primarily an in-office role with traditional business hours.
• Ability to work at a rapid pace for extended periods (typically no longer than 8 hours).
• Must be able to work additional hours outside routine business hours as necessary.
• Travel estimated at 25% of the time.

Benefits

• Comprehensive benefits package including insurance, 401k, and an associate stock purchase program.
• Paid time off.
• Associate banking perks.

Selected candidates for hire must complete a criminal history report, global screen, drug screen, employment credit report, and (if applicable) a driving record prior to employment. Applicants must be legally authorized to work in the United States, with verification of employment eligibility required at the time of hire.