Senior Portfolio Manager

Partner closely with Regional Relationship Managers, Relationship Managers, Portfolio Bankers, and Portfolio Specialists to assess the financial condition, creditworthiness, and borrowing needs of both prospective and existing clients.

Responsibilities

• Manage, train, mentor, and coach Portfolio Bankers and Portfolio Specialists within the region.
• Monitor individual and team performance and provide ongoing training, coaching, and support.
• Participate in the recruitment, interviewing, and hiring of high-quality lending professionals.
• Direct and manage the region's underwriting pipeline and workflow to ensure credit requests are processed efficiently and completed in a timely manner.
• Review and approve underwriting analyses, credit recommendations, modification requests, and extension requests prior to submission to Credit Administration.
• Analyze credit requests to assess borrowers' ability to qualify for financing and ensure loans are appropriately structured, risk-rated, and maintained within established lending authorities.
• Ensure portfolio administration and risk management activities comply with established credit policies, procedures, strategic objectives, and regulatory requirements.
• Manage and monitor large and complex loan relationships by evaluating financing requests and determining the merits of proposed credit structures.
• Prepare and present formal recommendations to Regional Relationship Managers and Credit Administration.
• Participate in client meetings to strengthen relationships, identify client needs, and proactively promote and cross-sell the Bank's products and services.
• Maintain a minimum of two credit trainee and/or intern positions and oversee their professional growth through structured training plans.
• Review underwriting and portfolio management processes and recommend continuous improvements to enhance efficiency and effectiveness.
• Monitor industry trends and analyze market and sector data to identify emerging risks and opportunities within the region's loan portfolio.
• Comply with all applicable state and federal banking laws, regulations, and internal policies related to lending, operations, and deposit requirements.

Requirements

• Bachelor’s Degree or equivalent work experience.
• Minimum of 7 years’ experience in underwriting commercial real estate loans.
• Prior management/supervisory experience preferred.
• Proficiency in Microsoft Office Suite (Excel, Word, PowerPoint).
• Strong English communication skills (written and spoken).

Skills

• Commercial loan underwriting, credit monitoring, and portfolio management.
• Credit policy and procedure expertise.
• Banking products and services knowledge.
• Market and industry analysis.
• Strategic judgment and decision-making.
• Advanced analytical and problem-solving skills.
• Relationship management and client service excellence.
• Cross-selling and business development.
• Consultative sales and product/service promotion.
• Public speaking and presentation skills.
• Team leadership and people management.
• Training, coaching, and mentoring.
• Cross-functional collaboration.
• Building and fostering high-performing team environments.
• Professional communication with supervisors and colleagues.
• Time management and prioritization.
• Independent work and self-direction.
• Active listening and continuous learning.
• Telephone and client interaction skills.

Knowledge

• Regulation E (EFT).
• UCC.
• Bank Secrecy Act.
• Deposit Products.
• FDIC Insurance.
• Investment Products.
• Privacy Laws.
• Loan Products.
• Regulation BB (CRA).
• Loan Documentation.
• Regulation B (ECOA).
• Account Services.
• Regulation X (RESPA).
• Trust Services.
• Regulation Z (Truth in Lending).
• Bank Operations.
• Fair Credit Reporting Act.

Physical Requirements & Work Environment

• Ability to perform repetitive movements associated with office and computer-based work.
• Ability to sit and/or stand for extended periods.
• Ability to lift, carry, or move objects weighing up to 25 pounds, with or without reasonable accommodation.
• Ability to use hands and fingers to manage, manipulate, or feel objects and operate standard office equipment.
• Work is primarily performed in an office environment with controlled temperature and standard office conditions.

Schedule

This position requires a mandatory consecutive absence of two weeks each calendar year to support segregation of duties and independent review. The absence will be scheduled in coordination with management.

Pay

Exempt salary range: $123,760 - $211,120 per year. Placement within the range will be determined based on skills, relevant experience, job-related qualifications, geographic location, and internal equity.