Commercial Portfolio Manager II

Simmons Bank•Fort Worth, TX

11d

About The Position

The Commercial Portfolio Manager II supports portfolio growth by managing clients through the stages of the lending process and monitoring assigned portfolios to maintain asset quality and customer service standards. The position manages client relationships and provides ongoing sales and client support, allowing assigned bank officers to focus more time on sales and new-business and relationship development. Responsibilities include day-to-day client interaction, screening, structuring, underwriting, and monitoring commercial relationships in accordance with bank standards and policies. The role often serves as a market subject-matter expert and resource for complex questions, challenges, and processes, and typically acts as a peer leader to less experienced portfolio managers. The position works with commercial bankers and portfolio managers to screen and underwrite lending opportunities, prepare transaction and renewal memoranda, and coordinate with internal departments and third parties. It monitors portfolio performance, supports collections and renewals, addresses escalated exceptions, and reports deteriorating credit situations. In some markets, the role performs in-house collateral appraisals and inspections. It also supports customer and prospect calls, evaluates risk ratings, and helps ensure construction loan disbursements and all departmental work comply with bank policy and applicable requirements.

Requirements

Advanced experience supporting a commercial lending portfolio of $250MM or greater, for a team of commercial bankers or an individual banker.
Advanced experience interpreting procedure manuals, business correspondence, journals, and/or government regulations.
Ability to read, analyze, and interpret financial reports and/or legal documents.
Advanced experience writing complex reports and business correspondence.
Ability to respond in writing to customer complaints, regulatory agencies, or members of the business community.
Extensive experience presenting information one-on-one and in small-group settings to customers, clients, and employees.
Ability to present information effectively and respond to questions from managers, clients, customers, the general public, and/or boards of directors.
BS/BA degree in an applicable field of study, or prior applicable experience including credit analyst, commercial lender, or portfolio manager experience; the posting lists 5–7 years and 7+ years of applicable experience.
MS Office program skills.

Responsibilities

Screen and underwrite new lending opportunities developed by commercial bankers and other commercial portfolio managers.
Manage a high volume and/or complex loan portfolio efficiently and consistently.
Prepare memoranda and facilitate underwriting for new transactions and renewals.
Coordinate with commercial credit analysts, appraisal services, loan administration, third-party attorneys, and other relevant parties.
Ensure adherence to credit policy, guidelines, and regulatory requirements.
Perform in-house collateral appraisals and inspections in some markets.
Accompany lenders on customer and prospect calls to support lending and sales.
Review past-due, exception, and maturing-loan reports on an ongoing basis.
Report past dues to officers or contact customers to collect payments.
Work with officers to collect items needed for renewal processing and make appropriate account recommendations.
Report deteriorating credit situations to officers and handle escalated exceptions.
Ensure construction loan disbursements comply with bank policy; coordinate with borrowers, CCFG, title companies, and other third parties, with ongoing monitoring and record keeping.
Participate in evaluating risk ratings and recommend revisions.
Prepare discussion term sheets.
Complete departmental documents and activities in compliance with applicable laws, regulations, policies, and procedures, including required compliance training.
Perform other duties and responsibilities as assigned.