Commercial Portfolio Manager

Overview

Position Summary: Assists Relationship Managers (RMs) and the Team Leader (TL) by assessing prospective customers and executing other sales/customer-oriented projects. Underwrites new transactions, renewals, modifications and reviews, ensuring the overall risk is assessed appropriately. Underwriting includes collecting financial information to assess past and future performance; developing prudent questions; conducting research; and reviewing appraisals, environmental and other reports as warranted. Monitors and tracks the processing of annual reviews and periodic line renewals portfolio-wide for the Eastern and Southern regions.

Serves as the Bank’s primary servicing, reporting and compliance liaison with commercial lending agency partners and credit enhancement program providers, including SBA and FAME. Assists in loan closings in conjunction with loan assistants and attorneys, ensuring compliance with loan approval. Resolves and addresses customer issues across the loan portfolio. Proactively identifies and recommends opportunities to cross-sell additional loan and non-credit products.

Services a portfolio of smaller loan relationships, including interviewing loan applicants, gathering supporting financial documents, and negotiating loan terms with the assistance of a business banker. Performs projects and initiatives related to credit administration or across the company as needed. Maintains a positive and professional relationship with customers and all business partners by responding to requests in a positive, consistent and accurate manner.

Enthusiastically support the Bank’s Guiding Principles and Brand Behaviors. Adheres to federal regulatory requirements and all established policies and procedures.

• Assists RM’s and the TL by assessing prospective customers and executes other sales/customer orientated projects.
• Underwrites new transactions, renewals, modifications and reviews ensuring the overall risk is assessed appropriately. Underwriting to include collecting financial information to assess past and future performance; developing prudent questions; conducting research; and reviewing appraisals, environmental and other reports as warranted.
• On an ongoing basis, monitors and tracks the processing of annual reviews and periodic line renewals portfolio-wide for the Eastern and Southern regions.
• Acts as the Bank’s primary servicing, reporting and compliance liaison with commercial lending agency partners and credit enhancement program providers, including but not limited to the United States Small Business Administration (SBA) and Finance Authority of Maine (FAME).
• Assists in loan closings in conjunction with loan assistants and attorneys, ensuring compliance with loan approval
• Resolves and addresses customer issues, inclusive of overdrafts and pass due accounts, across the loan portfolio.
• Proactively identifies and recommends opportunities to cross-sell additional loan and non-credit products to clients.
• Services a portfolio of smaller loan relationships including interviewing loan applicants, gathering supporting financial documents, and negotiating loan terms with the assistance of a business banker.
• Performs projects and initiatives related to credit administration or across the company as needed.
• Maintain a positive and professional relationship with customers and all business partners by responding to any and all requests in a positive, consistent and accurate manner
• Enthusiastically support the Bank’s Guiding Principles and Brand Behaviors
• Adheres to federal regulatory requirements and all established policies and procedures

• Perform other duties as requested.

• A college degree in Business Administration, Economics, or a closely related field.
• A minimum of 3 years’ experience in commercial banking, including credit analysis.
• Ability to gather and analyze financial and economic information, communicate conclusions, and negotiate loan arrangements.
• The flexibility to learn and keep current with changing procedures and regulations, varying job assignments, technological advances and new equipment.
• The…