Portfolio Manager II or III

Essential Functions

• Maintain timely and accurate risk ratings for commercial loans.
• Ensure compliance with credit policies, procedures, and regulatory requirements.
• Evaluate risk associated with non-compliance and engage with customers to discuss operating performance.
• Analyze financial information and prepare financial models for credit quality assessment.
• Document historic and proforma cash flows, covenant calculations, sensitivity analysis, guarantor statements, and collateral valuations.
• Identify emerging risks or significant changes in customer financial positions.
• Assist in completing annual reviews, renewals, interim updates, and criticized asset reviews.
• Monitor early warning indicators and other forms of credit surveillance.
• Present analysis or address questions during credit discussions or presentations.
• Liaise with Commercial Banking Relationship Managers, Credit Risk, the Underwriting Team, and Special Assets to ensure necessary credit approvals are obtained and appropriately documented.
• Track and document key risk indicators and maintain compliance with policies and procedures.

Qualifications

• Bachelor's Degree in Accounting, Finance, Economics, or related field preferred.
• Relevant experience as a Portfolio Manager, Relationship Manager, or Credit Officer/Underwriter with moderate to complex loans and documentation.
• Experience in Commercial Credit or public accounting preferred.
• Strong analytical, organizational, and critical thinking skills.
• Extensive experience in credit risk analysis, including financial statement assessment, collateral valuation, industry review, and risk rating assignments.
• Ability to manage multiple responsibilities simultaneously.
• 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 experience, skills, and knowledge. Additional bonus earning opportunities and benefits are also available.