Commercial Portfolio Manager II (C&I)

North Easton Savings Bank•Easton, MA

1d•$83,534 - $112,771•Onsite

About The Position

The Commercial Portfolio Manager II is responsible for the independent management and administration of assigned C&I commercial relationships. This role partners closely with Commercial Relationship Managers and Credit Administration to support portfolio quality, identify emerging risks and deliver responsive service to borrowers. The Commercial Portfolio Manager II performs independent credit analysis, manages routine and moderately complex portfolio relationships, and serves as a primary portfolio contact for assigned borrowers. This role specializes in commercial and industrial (C&I) lending relationships, partnering with Commercial Relationship Managers to analyze business operations, cash flow, working capital needs and borrowing structures that support operating companies across a variety of industries.

Requirements

Bachelor's Degree in Finance, Accounting, Business Administration, Economics, or related field preferred.
Minimum three (3) to six (6) years of commercial banking, credit analysis, portfolio management, or related experience.
Strong knowledge of commercial credit underwriting, financial statement analysis, cash flow analysis, working capital analysis, and loan documentation.
Knowledge of commercial and industrial lending structures, revolving lines of credit, borrowing base concepts, and business operating cycles preferred.
Ability to independently evaluate borrower performance and credit risk.
Strong written and verbal communication skills.
Strong relationship management and customer service skills.
Ability to manage multiple priorities with limited supervision.

Nice To Haves

Experience supporting commercial and industrial loan portfolios in a community or regional banking environment.
Experience analyzing operating companies across a variety of industries.

Responsibilities

Independently manages assigned portfolio relationships and ongoing servicing requirements.
Monitors portfolio performance, covenant compliance, financial reporting requirements, and credit quality.
Evaluates emerging risks and recommends risk rating changes and corrective actions when appropriate.
Ensures portfolio compliance with Bank policies, procedures, and regulatory requirements.
Performs independent financial statement analysis, cash flow analysis, global cash flow analysis, working capital analysis and credit risk assessment.
Evaluates business operating performance, liquidity, leverage, and repayment capacity to identify emerging credit risks.
Assists in structuring and underwriting commercial and industrial lending facilities, including lines of credit, equipment financing, owner-occupied commercial real estate, and other commercial loan products.
Prepares annual reviews, renewals, modifications, and credit approval packages for assigned relationships.
Assists in structuring credit facilities and developing recommendations for routine and moderately complex transactions.
Develops industry, borrower, and business-specific risk assessments to support credit decisions.
Serves as the primary portfolio contact for assigned borrowers regarding financial reporting, covenant compliance, renewals, and servicing matters.
Participates in customer meetings and site visits and supports relationship development efforts.
Coordinates with Commercial Relationship Managers to identify opportunities to strengthen customer relationships.
Assists in evaluating and underwriting new commercial and industrial credit opportunities.
Prepares term sheets, commitment letters, and supporting documentation for new and existing relationships.
Supports portfolio growth initiatives through proactive borrower engagement and relationship support.
Provides guidance and support to less experienced Portfolio Managers and analysts.
Demonstrates increasing expertise in commercial credit, portfolio management, and relationship management practices.