Portfolio Manager II or III

Essential Functions

• Maintain oversight of the commercial loan portfolio to ensure timely and accurate risk ratings and compliance with credit policy, loan agreements, and regulatory requirements.
• Timely escalation or remediation of credit performance issues as needed.
• Timely and accurate reporting of commercial portfolio monitoring activities and adherence to credit policies, procedures, and thresholds.
• Regularly engage with customers to discuss operating performance and business results, including covenant compliance.
• Analyze financial information and related materials to assess the probability of default and loss given default.
• Document historic and proforma cash flows, covenant calculations, sensitivity analysis, guarantor statement reviews, and collateral valuations as required.
• Analyze financial information and related materials to ensure prudent ongoing credit monitoring for the Bank’s commercial loan portfolio.
• Identify emerging risks or material changes in customer financial position, including evaluation of compliance with loan agreements.
• Assist in completing annual reviews, renewals, interim update memos, covenant calculations, and criticized asset reviews.
• Monitor early warning indicators and other forms of credit surveillance.
• Present analysis or address questions during credit discussions or presentations.
• Liaison between 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 associated with monitoring and control procedures and applicable thresholds.
• Navigate Microsoft Office software and other relevant department-specific software to maximize technology tools and enhance efficiency.

Qualifications

• Bachelor's degree in Accounting, Finance, Economics, or a related field preferred.
• Relevant experience in Commercial Lending as a Portfolio Manager, Relationship Manager, or Credit Officer/Underwriter working with moderate to complex loans and documentation preferred.
• Experience in Commercial Credit or public accounting preferred.
• Strong analytical, organizational, and critical thinking skills.
• Extensive experience in credit risk analysis, including assessment of financial statements, collateral valuation, industry review, and risk rating assignments.
• Extensive experience in teamwork, managing multiple responsibilities simultaneously, and navigating Microsoft Office software.

Qualifications (continued)

• Ability to perform financial analysis, assess risk, review documentation, coordinate loan closings, and administer construction loans.
• Extensive 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.

About the Role

This position is performed onsite Monday - Thursday with Fridays an optional remote day.

Schedule

This position is performed onsite Monday - Thursday with Fridays an optional remote day.

Benefits

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