Commercial Portfolio Manager

Commercial Portfolio Manager

Guaranty Bank & Trust is seeking a Full‑Time Commercial Portfolio Manager to serve as the primary credit and portfolio support partner to a Commercial Loan Officer. This role is critical to delivering responsive, well‑structured commercial lending solutions while maintaining strong credit quality and regulatory compliance.

• Primary credit support resource for assigned Commercial Loan Officer(s).
• Analyze new and existing commercial credit relationships; provide recommendations on structure, terms, covenants, and risk ratings.
• Prepare comprehensive Credit Approval Memorandums (CAM) for large and complex credit requests.
• Evaluate borrower and guarantor financial statements, tax returns, cash flow, global debt service coverage, and liquidity.
• Review third‑party reports including appraisals, environmental reports, business valuations, and credit bureau reports.
• Manage an assigned commercial loan portfolio; conduct covenant tracking, borrowing base analysis, annual reviews, and past‑due monitoring.
• Perform periodic portfolio reviews based on risk grade, exposure size, and regulatory requirements.
• Proactively identify emerging risks and partner with loan officers to recommend mitigation strategies.
• Ensure accurate risk ratings and ongoing compliance with loan policy and regulatory standards.
• Work directly with commercial customers to clarify financial information and support loan requests.
• Coordinate with internal teams including Credit Administration, Loan Operations, Treasury, and Compliance throughout the loan lifecycle.
• Assist in training and mentoring new employees and supporting team knowledge‑sharing.
• Participate in special lending‑related projects, portfolio initiatives, and internal meetings as assigned.

• Bachelor’s degree in Finance, Accounting, Business, or a related field required.
• Minimum 3‑5 years of experience in commercial credit analysis, portfolio management, or commercial banking.
• Strong working knowledge of commercial loan structures, financial analysis, and cash flow underwriting.
• Proficiency in financial statement spreading and global cash flow analysis.
• Intermediate to advanced Excel skills, including pivot tables, formulas, and financial models.
• Ability to analyze data, identify trends, and communicate credit risk clearly and concisely.
• Strong organizational skills with the ability to manage multiple priorities and deadlines.
• Excellent written and verbal communication skills.
• Collaborative mindset with a strong commitment to relationship‑based banking.

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms.

Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6‑8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance.

Must be capable of climbing / descending stairs in an emergency situation.

Starting salary is dependent upon relevant experience and may vary based on the geographic location of the position. We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance. Coverage is available to employees and their eligible dependents in accordance with our written plan documents. Employees may also be eligible for a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a retirement savings plan, including 401(k) and Profit‑Sharing plans, short and long‑term…