Commercial Credit Officer & Portfolio Manager

F & M Bank•Timberville, VA

11d

About The Position

The Commercial Credit Officer & Portfolio Manager plays a critical role in overseeing the performance, quality, and risk of the Bank’s commercial loan portfolio. This position blends portfolio oversight, delegated credit authority, underwriting expertise, policy enforcement, risk monitoring, and team leadership. The role ensures credit decisions are timely and well-supported, loan structures align with Bank policy and risk appetite, and regulatory expectations are consistently met. This position partners closely with Market Executives, Relationship Managers, Credit Administration, and executive management to maintain disciplined portfolio administration, strong credit culture, and safe, scalable lending practices.

Requirements

Advanced understanding of commercial credit analysis, financial statement interpretation, loan structuring, and credit risk identification.
Strong verbal and written communication skills, including report writing and credit presentation.
Proficiency with credit analysis systems, financial modeling tools, and Microsoft Office Suite.
High attention to detail, discretion with confidential information, and sound professional judgment.
Proven ability to lead, mentor, and evaluate credit staff.
Strong interpersonal and cross-functional collaboration skills.
Excellent organizational and time-management skills with ability to prioritize multiple projects.
A Bachelor’s Degree in Accounting, Business Administration, Finance, or other related field.
5+ years of commercial credit or commercial lending experience required.
Current driver’s license to travel to other bank branch locations or customers’ place of business.

Nice To Haves

Prior supervisory experience of analysts or underwriters preferred.

Responsibilities

Oversee and manage the assigned commercial loan portfolio to ensure timely credit actions, including renewals, annual reviews, covenant tracking, and borrower financial reporting.
Review and approve commercial loan requests using delegated authority, ensuring compliance with policy, sound underwriting, and alignment with the Bank’s risk appetite.
Conduct credit analysis for new loans, renewals, and modifications; identify repayment sources, assess global cash flow, evaluate guarantors, and confirm collateral adequacy.
Monitor credit performance, including delinquencies, risk rating migration, and policy exceptions; escalate material trends and recommend remediation.
Maintain ongoing awareness of portfolio performance, industry concentrations, and emerging risk trends.
Support the Chief Credit Officer in maintaining a strong governance framework within Credit Administration.
Develop and deliver recurring reports on asset quality, risk migration, and credit metrics to executive leadership and the Board.
Serve as a point of contact during internal audits, external audits, and regulatory examinations.
Lead, develop, and mentor a team of credit analysts responsible for commercial underwriting.
Coordinate training for new credit team members and lead technical development for ongoing staff growth. Support succession planning and professional development strategies within Credit Administration.
Partner with Market Executives and Relationship Managers to deliver responsive, risk-informed credit support.
Provide guidance on transaction structure, cash flow support, guarantor analysis, and collateral sufficiency.
Reinforce the Bank’s credit culture by promoting proactive communication, consistency, and accountability.