Commercial Portfolio Manager

Description

Department: Commercial Banking

Reports to: Director of Commercial Portfolio Management

FLSA: Exempt

Last Modified: 1.22.25

Job Summary:

The Commercial Portfolio Manager supports assigned Commercial Banking Officers by focusing on areas related to credit administration and portfolio management. This individual will assist Commercial Banking Officers to manage growth, risk and profitability of a commercial loan portfolio by focusing on areas related to credit administration including, but not limited to, credit analysis, drafting of term sheets and commitment letters, closing loans, collection of financial statements, completion of annual reviews, covenant testing, generating files memos, and conducting property inspections. This individual must have the ability to manage commercial and real estate relationships and leverage technology to achieve operational efficiencies. All Commercial Portfolio Manager activities must be consistent with the Bank’s policies and procedures, including underwriting, commitment and closing.

Essential Functions:

• Assists in the management of existing commercial relationships by monitoring for risk within the assigned portfolio. Assesses credit quality through the coordinated collection of financial statements, management of matured loans, renewal of existing lines of credit, annual reviews, criticized asset reports and loan covenant testing.   
• Responsible for the ongoing maintenance of the loan tickler system and ensures loan and relationship accuracy across all Bank software to include but not limited to the maintenance of loan risk ratings, annual review coding and reduced credit administration coding.  
• Meets with assigned Commercial Banking Officers on a regular basis to coordinate the completion of current and upcoming tasks in a timely and efficient manner.  
• Analyzes the business credit applicant’s management capacity, financial condition, ability to repay, collateral support and business and industry position and environment to make sound credit decisions in conjunction with the assigned Commercial Banking Officer, consistent with Bank policies and procedures.    
• Prepares loan presentations as needed for Commercial Banking Officer approval, management loan committee and the Board of Directors as required under the Bank’s loan policy, including loan pricing, structure and recommendation of terms. Drafts commitment letters for approved loans.       
• Has a good understanding of financial products and services and identifies opportunities for additional Bank services to existing relationships.   
• Assists in the review of construction loan advances and line of credit advances as requested. 
• Conducts property inspections, orders appraisals and prepares internal real estate evaluations in accordance with Bank policy and procedures.   
• Acts as a point of contact for customers within the assigned portfolio. Coordinates customer calls with the Commercial Banking Officer and attends customer calls on an as requested basis.    
• Actively participates in community organizations and events in the communities that the Bank serves.  
• Performs other duties as assigned.

Education, Skills, and Experience Required:

• Bachelor’s Degree preferably or five or more years of commercial credit underwriting experience including commercial and industrial and commercial investment real estate borrowers; or an equivalent combination of education and experience.
• Strong customer service and relationship building skills. 
• Ability to comply with all Bank policies and procedures, including BSA and Information Security policies. 
• Ability to maintain confidentiality and protect the Bank by keeping information concerning Bank operations and customer information confidential. 
• Good organizational skills. 
• Knowledge of Microsoft products and other Bank software.

Physical Requirements and Working Conditions:

• Prolonged periods working at a computer.
• Workspaces are generally comfortable and pleasant. 
• Periodic travel may be required.