Commercial Portfolio Manager II

Simmons Bank•Fort Worth, TX

10d

About The Position

The Commercial Portfolio Manager II supports portfolio growth by managing clients through the lending process and monitoring assigned portfolios to maintain asset quality and customer service standards. The role manages client relationships and provides ongoing sales and client support, allowing assigned bank officers to focus on sales and new business development. It handles day-to-day client interaction, screening, structuring, underwriting, and monitoring of commercial relationships in accordance with bank standards and policies. The position may serve as a market subject matter expert and peer leader for less experienced portfolio managers, particularly on complex questions, challenges, and processes. The role works with commercial bankers, portfolio managers, credit analysts, appraisal services, loan administration, attorneys, borrowers, title companies, and other third parties. It supports new transactions and renewals, portfolio reviews, risk-rating recommendations, and construction-loan disbursements. The employee must perform duties in compliance with applicable laws, regulations, policies, and procedures, complete required compliance training, and perform other assigned responsibilities. Duties may change at any time.

Requirements

Advanced experience supporting a commercial lending portfolio of $250 million or greater, comprised of a team of commercial bankers or an individual banker.
Advanced experience interpreting procedure manuals, business correspondence, journals, or government regulations.
Ability to read, analyze, and interpret financial reports and 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 in one-on-one and small-group settings to customers, clients, and employees.
Ability to present information effectively and respond to questions from managers, clients, customers, the public, and boards of directors.
BS/BA degree in an applicable field of study or 5–7 years of prior applicable experience, including credit analyst, commercial lender, or portfolio manager experience.
7 or more years of prior applicable experience, including credit analyst, commercial lender, or portfolio manager experience.
Computer skills with MS Office programs.
Formal credit training.
Communication, critical thinking, problem-solving, time management, sales, presentation, and leadership skills.

Responsibilities

Screen and underwrite new commercial lending opportunities developed by commercial bankers and other 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, and third-party attorneys on loan documentation.
Ensure adherence to credit policies, guidelines, and regulatory requirements.
Perform in-house collateral appraisals and inspections in some markets.
Accompany lenders on customer and prospect calls to assist with lending and sales.
Review past-due accounts, exceptions, and maturing-loan reports; report past dues to officers or contact borrowers to collect payments.
Work with officers to collect items needed for renewal processing and recommend appropriate actions for accounts.
Report deteriorating credit situations to officers and handle escalated exceptions.
Ensure construction-loan disbursements comply with bank policy, coordinating with borrowers, CCFG, title companies, and other third parties while monitoring and maintaining records.
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.