Portfolio Manager II or III

Essential Functions

• Maintain credit performance of individual commercial borrowers, escalating or remedying issues as needed.
• Ensure timely and accurate reporting of commercial portfolio monitoring activities and adherence to credit policies, procedures, and thresholds.
• Evaluate risk associated with non-compliance and engage with customers to discuss operating performance and business results, including covenant compliance.
• Gain a thorough understanding of borrowers' business models and industry trends to effectively evaluate sources of repayment and assign risk ratings.
• Collect and review all pertinent credit and financial information, including financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research, and peer data.
• Determine the need for more thorough investigation or additional information.
• Analyze financial information and related materials to ensure prudent ongoing credit monitoring for the Bank's commercial loan portfolio.
• Perform analyses to include an independent credit quality assessment with well-supported risk rating rationale, identification of credit risks and mitigants, industry concerns, market trends, financial trends, and other pertinent credit issues.
• Identify emerging risks or material changes in customers' financial position, including evaluation of compliance with loan agreements.
• Affirm necessary credit approvals, document appropriately, and ensure loan operating system reflects accurate commercial loan data.
• Document and track key risk indicators associated with monitoring and control procedures and any applicable thresholds.
• Navigate Northwest’s policies and procedures, and Federal/State regulations.
• Utilize Microsoft Office software and other specific departmental software to maximize technology tools and gain efficiency.

Qualifications

• Bachelor's Degree in Accounting, Finance, Economics, or related discipline preferred.
• Relevant experience in Commercial Lending as a Portfolio Manager, Relationship Manager, and/or Credit Officer/Underwriter working with moderate to complex loans and documentation preferred.
• Experience in Commercial Credit or public accounting preferred.
• Ability to perform financial analysis, assess risk, review documentation, coordinate loan closings, and administer construction loans.
• Extensive strong analytical, organizational, and critical thinking skills.
• Extensive team-oriented with ability to monitor and manage multiple responsibilities simultaneously.
• Extensive credit risk analysis including assessment of financial statements, collateral valuation, industry review, and risk rating assignments.

Qualifications (continued)

• Ability to perform financial analysis, assess risk, review documentation, coordinate loan closings, and administer construction loans.
• Extensive strong analytical, organizational, and critical thinking skills.
• Extensive team-oriented with ability to monitor and manage multiple responsibilities simultaneously.
• Extensive credit risk analysis including assessment of financial statements, collateral valuation, industry review, and risk rating assignments.
• Travel Requirements: As Needed for training and occasional team meetings.

Pay and Benefits

The pay range for this position is generally $61,500 - $110,000 annually. Actual pay is based on various factors including but not limited to the successful candidate’s experience, skills, and knowledge. Additional bonus earning opportunities and benefits are also available.

Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.