Commercial Portfolio Manager II

About The Role Summary

The Commercial Portfolio Manager II will have a focus on supporting credit portfolios, as well as deposit relationships. The Commercial Portfolio Manager has strong financial analysis, communication and business acumen skills in order to assist commercial lending officers with loan structures, pre-underwriting analysis, pricing models and credit authorizations. The Commercial Portfolio Manager completes loan spreads and credit underwriting, as needed. This position is involved in the entire loan and customer relationship process including monitoring reports, completing credit authorizations, coordinating and review of financial documentation and occasionally presenting the credits to loan committee.

The Commercial Portfolio Manager II will assist Commercial Lending Officers to ensure that their credit portfolio has required updated financials and is meeting compliance guidelines. In addition, the Commercial Portfolio Manager will be responsible for ongoing credit risk management of their assigned credit portfolios. Strong communication skills are needed to partner with the Commercial Lending Officers in speaking with clients and prospects regarding their credit needs and understanding of financials.

The Commercial Portfolio Manager II is familiar with credit policy and works closely with the credit team, loan assistant team and loan operations team to mitigate risk while working with customers and ensuring that the bank is responding and completing requests in a timely manner.

A hybrid work schedule will be considered.

The compensation minimum within the wage range for this position is $80,216.20 to $ annually and will vary depending on what city the applicant works in. All compensation offers are analyzed individually and take into consideration multiple factors including but not limited to geographic location, years of experience, and educational background.

• Manages an assigned portfolio of credits, anticipating new opportunities, upcoming maturities, annual term loan reviews, and potential problems.
• Assist in the collection of customer monitoring requirements such as borrowing bases, financial packaging collection, and others as required per loan covenants.
• Work with loan officer in monitoring performance of individual credit relationships to identify risk and minimize potential losses. Prepares problem loan reports for problem credits. Recommends approval and/or changes in new or existing credit facilities.
• Supports Relationship Managers in related portfolio management activities, whether related to credit, depository, or other banking services.
• May Assist Relationship Managers with business development call preparation.
• Responsible for the ongoing management of the portfolio, including developing a relationship with each client relationship.
• Assist commercial lending officers with the collection, preparation, pre-underwriting analysis and submission of authorizations.
• Actively participates in Bank related and community volunteer events as well as business development related activities.
• Spreads and/or analyzes financial statements and tax returns of potential and existing customers using appropriate tools and credit criteria.
• Assist commercial lending officers in the collection and review of regulatory compliance items, not limited to but including CRA, Adverse Action and other regulatory compliance requirements.
• Remain educated about industry trends, community developments, market conditions and regulatory requirements and understand their effect of the banks’ lending criteria.
• Perform job functions in compliance with all company policies, federal and state rules and regulations as applicable to the position, including, but not limited to BSA/AML, CRA, HMDA, FHLB, OFAC, SOx and GLBA/privacy rules.
• Other duties as assigned.

• Undergraduate degree in business, finance, or economics preferred
• Two to three years of commercial credit analysis experience preferred.
• One to three years of commercial loan experience preferred

• Extensive knowledge of commercial credit policy, regulations and credit quality standards
• Stron…