Portfolio Manager I - SBA Credit

for sections: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. Only include sections that have real specific content. We need to parse the posting. First, remove boilerplate: cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate, duplicated lines, application instructions. We need to preserve substantive info. Let's extract sections: - "WHAT IS THE OPPORTUNITY?" -> description of role. Could map to "About the role". Provide paragraph(s). - "Primary Responsibilities Include" then bullet list (actually sentences). Could map to "Responsibilities". Use

• . - "WHAT WILL YOU DO?" then list of responsibilities again (teamwork, portfolio management, etc). Might be overlapping but we need to preserve all substantive info, not duplicate? We should not repeat same content? The instruction: "Preserve ALL substantive information; do NOT invent or summarize away detail." So we need to include both sets? Might cause duplication but we must keep all. However we can combine? The instruction says do not summarize away detail, but we could merge similar points? Might be considered summarizing. Safer to keep both sections as separate lists? But they both are responsibilities. Could create one Responsibilities section with combined items, but that would be summarizing (merging). Might be okay if we keep all items without losing detail. We can list each bullet from both sections, ensuring no loss. Thus we can create a single Responsibilities
  containing all items from both "Primary Responsibilities Include" and "WHAT WILL YOU DO?" bullet points. - "WHAT DO YOU NEED TO SUCCEED?" includes Required Qualifications and Additional Qualifications. Could map to "Requirements" and "Qualifications". Possibly "Required Qualifications" under Requirements, "Additional Qualifications" under Qualifications. Also there is "Basic experience..." etc. - Skills: maybe not explicitly listed but there are skill mentions: Strong communication and collaboration skills, Basic analytical skills, Industry-specific knowledge and expertise. Could map to Skills section. - Benefits: "WHAT'S IN IT FOR YOU?" includes Compensation, Benefits and Perks. So we have Pay and Benefits sections. - Pay: "Compensation Starting base salary: $41.83 - $66.81 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions." - Benefits: list of benefits. - Schedule: Not mentioned. So we should not create Schedule section. - About Us: Could be "About the role"? Already used. Could also be separate "About Us" but not in allowed headings list. The allowed headings are only those listed. So we should not create extra headings. The "About Us" paragraph could be folded into "About the role" maybe? But it's about company, not role. However we must preserve ALL substantive information. If we cannot create a heading for About Us, we could include it as a paragraph under "About the role" or maybe under a generic

  without heading? The instruction: "Use

  for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule)." It implies we can use those headings; we can also have other headings? It says use

  for section headings (e.g. ...). Likely we should only use those headings for sections. But we need to preserve all info; we could include the About Us paragraph as a

  without a heading, which is allowed (since we can use

  for prose). The instruction didn't forbid extra paragraphs without heading. So we can include a

  about the company. Similarly "INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT" is boilerplate EEO, should be removed per instruction: remove EEO/equal-opportunity boilerplate. So drop that. Also "Represents basic qualifications for the position..." etc is boilerplate; drop. Now let's extract content. **About the role**: from "WHAT IS THE OPPORTUNITY?" paragraph(s). Let's copy: "The Portfolio Manager is part of the credit management team focused on the long-term risk-adjusted returns for the bank within the assigned business segment and/or geographic area(s). This individual manages a sub-set of existing credits and is a key partner in the origination of new credits." That's it. Could also include maybe more? That's the only paragraph. **Responsibilities**: combine: From "Primary Responsibilities Include": - Underwrite and portfolio manage Business Banking clients - typically privately held companies with annual revenues ranging up to $50 million across a wide range of industries and geographies. - Formulate and recommend credit and banking solutions to clients to support working capital, capital expenditures, commercial real estate financing, growth, and other strategic business needs. - Operate within a high-volume origination and portfolio management environment, supporting a relationship-focused model that emphasizes risk management, cross-functional collaboration, and long-term client partnerships. - Provide comprehensive credit recommendations and presentations to key risk partners related to prospect(s) and existing clients of the bank (including moderate to complex new credit structures, modifications, and extensions) based on a comprehensive review of the borrower(s) and guarantor(s)' financials (which may include current and historical financial statements, tax returns, projections and/or cash flow proformas.) - This individual is expected to present credit recommendations within the bank's risk appetite and framework and follow the bank's policies, processes and procedures. - This individual is expected to be responsive to their clients' credit needs with an elevated level of client service and credit acumen to address their needs appropriately and timely. - This individual is responsible for the ongoing oversight and management of its portfolio (including timely risk rating assessments, reporting covenants, covenant compliance, and the preparation of quarterly and annual reports.) From "WHAT WILL YOU DO?" list: - Teamwork: Mentors junior colleagues, fosters a culture of continuous improvement and professional growth. - Portfolio Management: Owns and manages an assigned credit portfolio, ensuring alignment with organizational goals and risk management practices, including underwriting all types of credit exposures, managing credit risk, and responding to prospective client inquiries. - Credit Analysis: Analyzes credit data and perform underwriting to assess creditworthiness and recommend appropriate structures to the Sales team and client. Prepare underwriting memorandums and approval documents for presentation to Credit Risk. - Performance Monitoring: Performs portfolio management activities to monitor and analyze portfolio performance, including periodic reviews and covenant tracking. - Data Analysis: Analyzes credit data to support underwriting and creditworthiness assessments including developing and presenting individual credit recommendations. - Risk Management: Practices effective risk management, maintaining high standards of credit quality and origination in alignment with Bank’s credit risk appetite, and compliance with institutional and regulatory requirements. - Collaboration: Partners with Relationship Manager(s) to successfully manage credit account relationships. Work closely with cross-functional teams to ensure cohesive and effective credit operations to achieve the Bank’s strategic initiatives. Participate in ad-hoc projects to support the organization’s priorities. - Client Service: Provides exceptional client service by maintaining professionalism and effectively interacting with clients to understand their needs and provide tailored credit solutions. Participate in joint sales pitches with Relationship Manager(s). We need to ensure no duplication: some items overlap (e.g., portfolio management, credit analysis). We'll keep all items as separate

  ; duplication is okay as preserving all info. **Requirements**: from "WHAT DO YOU NEED TO SUCCEED?" Required Qualifications*: - Bachelor's Degree or equivalent in Finance, Business, or related field - Minimum 4 years of progressively increasing credit underwriting and portfolio management experience in relevant industry/industries **Qualifications**: Additional Qualifications: - Basic experience in credit management and lending operations, with a strong understanding of risk management principles - Desire to build leadership and coaching skills, with the ability to train and develop talent - Strong communication and collaboration skills, with the ability to work effectively with senior leadership and cross-functional teams - Basic analytical skills, with the ability to interpret complex data and make informed decisions - Industry-specific knowledge and expertise **Skills**: Could extract skill mentions from Additional Qualifications and elsewhere: Strong communication and collaboration skills, Basic analytical skills, Industry-specific knowledge and expertise, Desire to build leadership and coaching skills, ability to train and develop talent, ability to work effectively with senior leadership and cross-functional teams, ability to interpret complex data and make informed decisions. Also from responsibilities: risk management, cross-functional collaboration, client service, etc. But we might treat Skills as separate section listing these skill items. However we already have many skill-like items in Qualifications. To avoid duplication, we could put skill-specific items under Skills, and keep qualifications more about experience/education. But the instruction: "Prefer a few substantive sections over many thin ones." So maybe we combine Qualifications and Skills into one section? But headings are predefined; we need to decide. We have both Qualifications and Skills headings allowed. We could put education/experience under Requirements, and then Additional Qualifications under Qualifications, and skill items under Skills. However Additional Qualifications already includes skill-like items. Might be okay to split. Let's define: - Requirements: Required Qualifications (education, years experience). - Qualifications: Additional Qualifications (basic experience, desire to build leadership, strong communication, basic analytical skills, industry-specific knowledge). - Skills: maybe we can extract from responsibilities: risk management, cross-functional collaboration, client service, mentoring, etc. But that may be thin. Alternatively, we could treat Additional Qualifications as Skills and not have a separate Qualifications section. But we need to use headings only when posting has real specific content for it. The posting has "Additional Qualifications" heading; we can map that to Qualifications section. For Skills, the posting does not have a explicit "Skills" heading, but there are skill mentions throughout. However we could still create a Skills section if we have specific skill content. The instruction: "include a section ONLY when the posting has real, specific content for it — never emit a heading followed by filler/placeholder text". So we need to see if there is real specific content for Skills. There are mentions like "Strong communication and collaboration skills", "Basic analytical skills", "Industry-specific knowledge and expertise", "Desire to build leadership and coaching skills". Those are specific skill statements. So we can create a Skills section with those items. Thus we will have: - Requirements: education + experience. - Qualifications: Additional Qualifications items (basic experience in credit management, desire to build leadership, strong communication, basic analytical skills, industry-specific knowledge). Wait those overlap with Skills. Hmm. Maybe better: Requirements = education + experience. Qualifications = Additional Qualifications (basic experience in credit management, desire to build leadership, strong communication, basic analytical skills, industry-specific knowledge). Skills = maybe we can pull from responsibilities: risk management, cross-functional collaboration, client service, mentoring, etc. But that may duplicate. Given the instruction to prefer few substantive sections over many thin ones, maybe we combine Qualifications and Skills into one section called "Qualifications & Skills". But we only allowed headings list; we could still use "Qualifications" heading and include both qualification and skill items under it. That would be acceptable: we put all Additional Qualifications and skill statements under Qualifications. Then we don't need a separate Skills section. Thus we will have sections: About the role, Responsibilities, Requirements, Qualifications, Benefits, Pay. We need Benefits and Pay. Benefits: from "Benefits and Perks" list: - Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date - Generous 401(k) company matching contribution - Career Development through Tuition Reimbursement and other internal upskilling and training resources - Valued Time Away benefits including vacation, sick and volunteer time - Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs - Career Mobility support from a dedicated recruitment team - Colleague Resource Groups to support networking and community engagement Also maybe "Get a more detailed look at our Benefits and Perks." is