Commercial Banking Portfolio Manager

The Commercial Banking Portfolio Manager is responsible for supporting the Commercial Relationship Managers in managing a portfolio of commercial bank clients, ensuring strong client relationships, risk management, and portfolio oversight. This role involves analyzing financial statements, structuring loans, and collaborating with relationship managers and credit teams to deliver tailored financial solutions to small and mid-sized business clients.

ESSENTIAL FUNCTIONS:

• Assist the Commercial Relationship Managers in managing and monitoring a portfolio of commercial banking clients to ensure performance, risk mitigation, and client satisfaction.
• Conduct regular reviews of financial performance, covenant compliance, and risk ratings.
• Proactively identify warning signs of potential credit issues and recommend appropriate actions.
• Client Relationship Support:
  • Partner with Relationship Managers to provide exceptional service and financial solutions to clients.
  • Participate in client meetings to understand business needs and provide strategic insights.
  • Assist in identifying opportunities for cross-selling banking products and services.
• Collect and analyze client financial statements, tax returns, and other credit information.
• Assist in preparing present credit proposals, including new and renewal loans, modifications, and risk assessments.
• Collaborate with Credit Analysts to ensure timely and accurate credit decisions.
• Assist in the preparation of the bank’s quarterly problem loan reports (CLAPs).
• Loan Structuring & Documentation:
  • Recommend appropriate loan structures and terms based on client needs and bank policies.
  • Work closely with collateral and documentation and credit teams to ensure proper documentation and closing of transactions.
• Compliance &
  
  Risk Management:
  
  
  • Ensure adherence to internal credit policies and external regulatory requirements.
  • Maintain up-to-date knowledge of lending regulations, economic trends, and industry developments.

Education & Experience:

Bachelor’s degree (Finance, Business, Accounting, or related field) plus a minimum of 4 years of experience in commercial or business banking, credit analysis, or portfolio management, or the equivalent combination of education and experience.

• Formal credit training is highly preferred.
• Strong analytical and financial modeling skills.
• Excellent communication and interpersonal skills.
• High attention to detail and organizational ability.
• Ability to consistently meet deadlines.
• Knowledge of commercial loan documentation and regulatory environment.
• Proficiency in Microsoft Office Suite and banking systems (e.g., Moody’s, Salesforce, or internal loan systems).

Preferred Qualifications:

• Experience working with SBA lending
• Working knowledge of nCino/Salesforce preferred
• Knowledge of local market dynamics and business community

PHYSICAL DEMANDS:

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 accommodation may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to use hands or fingers, handle, or feel and reach with hands and arms. The employee frequently is required to stand, sit, climb or balance, and talk or hear. The employee regularly is required to walk and stoop, kneel, crouch, crawl, and climb stairs. The employee must occasionally lift and/or move up to 25 pounds.

Specific vision abilities required by this job include close vision, distance vision, and ability to adjust focus.

WORK ENVIRONMENT:

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. The work environment is indoor and climate controlled. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Genesee Regional Bank is an equal opportunity organization. We recruit, employ, train, compensate, and promote without regard to race, religion, color, national origin, age, sex, disability, veteran status, or any other basis protected by applicable federal, state, or local law.

THIS JOB DESCRIPTION IS SUBJECT TO CHANGE AT ANY TIME

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.