Portfolio Banker

Job Summary

The Portfolio Banker partners with Relationship Managers and the Regional Relationship Manager to evaluate the financial condition and credit needs of prospective and existing Commercial Real Estate (CRE) borrowers. This role is responsible for analyzing CRE financial statements, credit information, and supporting due diligence to assess the risk and return of financing opportunities. The position requires experience in investor real estate underwriting and asset management, including preparation of credit memoranda and annual loan reviews. The Portfolio Banker supports the underwriting and structuring of complex loan products—such as bridge and construction loans—through analysis of rent rolls, borrower and property financials, cash flows, and valuations. This role collaborates closely with clients, Relationship Managers, Credit Administration, and senior leadership to support credit approval and risk decisions. Post-closing responsibilities include monitoring financial reporting, covenant compliance, loan performance, and relevant market and property trends. The Portfolio Banker typically serves as a secondary point of contact for assigned relationships and is expected to deliver a high level of service to support strong client relationships.

Key Responsibilities

• Analyze property financial statements and rent rolls, borrower and guarantor personal and business financial statements, and other relevant information to assess creditworthiness and risk.
• Spread financial statements and federal income tax returns for properties, businesses, borrowers, and guarantors using CASH Insight (or comparable systems).
• Maintain complete and current credit files and track required financial reporting and covenant compliance.
• Monitor performance of the CRE loan portfolio by evaluating property cash flow, covenant compliance, and the financial condition of borrowers and guarantors.
• Analyze borrower and guarantor liquidity, profitability, and credit history, benchmark business performance against comparable industries and geographic markets.
• Prepare and present credit memoranda to senior management or credit committees in support of new, renewal, and extension loan decisions.
• Collaborate directly with clients to support relationship retention, new business opportunities, and the Bank’s reputation as a trusted CRE partner.

Compliance Responsibilities

• Complies with all applicable state and federal banking laws, regulations, and internal policies related but not limited to lending, operations, and deposit requirements, including Bank Secrecy Act (BSA), Anti-Money Laundering (AML) requirements, Office of Foreign Assets Control (OFAC) regulations, Customer Identification Program (CIP) requirements, Financial Elder Abuse reporting laws, Sexual Harassment prevention policies, information security and privacy requirements.

Required Knowledge

• Regulation E (Electronic Fund Transfers – EFT)
• Bank Secrecy Act (BSA) / Anti-Money Laundering (AML)
• FDIC deposit insurance requirements
• Privacy and data protection laws
• Regulation BB (Community Reinvestment Act – CRA)
• Regulation B (Equal Credit Opportunity Act – ECOA)
• Regulation X (Real Estate Settlement Procedures Act – RESPA)
• Regulation Z (Truth in Lending Act – TILA)
• Fair Credit Reporting Act (FCRA)
• Uniform Commercial Code (UCC)
• Banking products and services
• Loan products, including commercial and real estate lending
• Loan documentation and servicing requirements
• Investment products
• Trust services
• General bank operations

Education and Experience

• Bachelor’s degree required; degree in Business, Accounting, Finance, or a related discipline preferred.
• Minimum 5–10 years of experience in a related field, with a strong emphasis on Commercial Real Estate underwriting and asset management, customer service, and credit portfolio management.