Portfolio Manager

Essential Job Functions

• Serves as a key resource to Commercial Lenders throughout the approval process, ensuring required underwriting information is received and supporting the management of existing portfolios, sales efforts, and approvals.
• Ensures loans, renewals, extensions, and documentation are completed accurately, timely, and in compliance with credit policy, banking regulations, and applicable loan terms.
• Maintains current knowledge of Bank products, services, procedures, policies, and applicable regulatory and compliance requirements through team meetings and required training, applying this knowledge to daily operations.
• Monitors financial performance, covenants, construction projects, borrowing availability, and portfolio risk ratings; identifies exceptions or violations, manages waiver processes, and initiates risk rating changes as needed.
• Prepares Watched Asset Reports for loans downgraded below a 6 rating, completes required quarterly reporting, and drafts commentary regarding changes in performance, financial conditions, covenant reviews, or other issues requiring further explanation.
• Prepares and coordinates internal and external documentation, including term sheets, applications, appraisal bid requests, call memos, commitment letters, post-closing memos, and loan modifications, and facilitates internal and external examinations.
• Supports client relationship management and engagement with current and prospective clients in partnership with Lenders, and coordinates with CLA on overdraft decisions and follow-up as needed.
• Ensures adherence to federal and state laws, regulations, Bank policies, and BSA requirements by verifying transactions and account balances, preventing violations, minimizing risk, and safeguarding the Bank’s interests.

Requirements

• Bachelor’s degree required; major in Accounting, Finance, Economics, or Business Administration preferred, along with a minimum of three years of credit experience and demonstrated commercial credit skills.
• Basic experience with loan origination software (LOS) preferred, as well as knowledge of commercial deposit and treasury products.
• Proficiency with office applications, including word processing, spreadsheets, presentations, and email, with excellent oral and written communication skills.
• Professional demeanor and maturity, with the ability to work effectively with customers, employees, vendors, and members of the Board of Directors.