Commercial Portfolio Manager

Hancock Whitney Bank•Hattiesburg, MS

About The Position

The Commercial Portfolio Manager 2 works under the direct supervision of a Portfolio Group Manager, Senior Group Sales Manager, or Market President as a contributing member of a client’s Credit Delivery Team. The role focuses on credit analysis, underwriting, and portfolio management in accordance with bank policies and standards. The assigned portfolio primarily consists of Wholesale Banking relationships across industries such as general C&I, manufacturing, distribution, professional services, transportation, and specialty sectors. Products may include lines of credit, term notes, owner-occupied real estate loans, and ancillary credit products. The position manages a portfolio of simple-to-moderate-complexity Wholesale Banking credits, typically comprising 15–25 relationships and approximately $50–$75 million in total commitments, depending on the market. It partners with relationship managers and other internal stakeholders to originate, monitor, maintain, and grow profitable client relationships, while identifying prospective clients and cross-selling opportunities. The role also supports client servicing, loan documentation, compliance monitoring, risk assessment, and ongoing portfolio reviews.

Requirements

Bachelor’s degree required.
At least 3 years of general banking experience, credit analysis, relationship management, or a combination of related experience.
Excellent verbal, written, and interpersonal communication skills.
Ability to read and interpret business and personal financial statements and federal and state tax returns.
Knowledge of non-credit bank products and services.
Credit, risk management, and negotiation skills; ability to apply business principles and financial ratios correctly.
Analytical and financial analysis skills, including the ability to perform quick calculations with a financial calculator.
Knowledge of loan documentation, loan agreements, loan structuring, collateral perfection and liens, and general business contracts.
Understanding of lending policies and procedures, underwriting, and regulatory guidelines.
Ability to handle varied instructions, multitask, work under tight timelines, and solve problems using sound logic.
Computer literacy, ability to learn new software systems, and proficiency with Microsoft Office Suite.
Collaborative, coachable, customer-service-oriented, and well organized, with presentation skills.
Understanding of macroeconomic and microeconomic issues as they apply to business and of lending-related risks such as market, interest-rate, and leverage risk.
Ability to work under stress and meet deadlines.
Ability to travel.
Ability to lift, move, or carry approximately 25 pounds when required to perform essential job functions, subject to accommodation where applicable.

Nice To Haves

Bachelor’s degree in Business Administration, Finance, Accounting, or a related field.
Credit analysis training, a certificate program, or credit analysis experience.
Underwriting or loan portfolio management experience.
Experience working closely with Credit Analysts, Commercial Underwriters, relationship managers, or other commercial bankers.

Responsibilities

Partner with relationship managers, market leadership, senior management, and credit officers to originate, monitor, maintain, and grow profitable Wholesale Banking relationships.
Perform due diligence, credit analysis, underwriting, borrower and facility risk assessments, and prepare credit approval packages for new and existing loans, extensions, modifications, and amendments.
Manage, monitor, and assess portfolio risk to ensure compliance with credit policies, procedures, business strategy, and commercial and regulatory guidelines.
Ensure loan agreements are accurately documented, entered in tracking reports, and monitored for compliance.
Prepare annual and administrative reviews assessing client and guarantor financial performance, covenant compliance, and borrower and facility risk ratings; complete reviews by established target dates.
Communicate with internal business partners, including loan operations, credit services, credit review, audit, and treasury services, throughout the underwriting and portfolio management process.
Participate with relationship managers in client and prospect calls, as appropriate, to understand clients and their businesses.
Assist relationship managers with due diligence and analysis for opportunity memos for new-to-bank relationships.
Serve, as appropriate, as a client contact or liaison to the Credit Delivery Team and other business partners.
Participate with relationship managers in discussions and presentations of credit requests to market leadership and credit officers.
Work with relationship managers and commercial client administrators on client servicing, collecting financial and transaction information, and monitoring loan maturities and past-due loans.
Review borrowing base certificates, liquidity verification, and other periodic documentation required by loan agreements.
Conduct due diligence and industry and market analysis to evaluate client and guarantor credit capacity and quality.
Keep informed about economic conditions and legislation that may affect client relationships and the Wholesale Line of Business.
Review new and renewal lending documents before closing for completeness and accuracy against loan approvals.
Periodically review electronic borrower files for completeness and accurate filing.
Monitor client operating performance against underwriting and projections using submitted reporting information.
Verify loan-system coding, borrower and facility risk ratings and dates, and expected loss ratios for accuracy.
Work with relationship managers and commercial client administrators to monitor and resolve document exceptions, including coding, collateral, and critical-documentation exceptions; participate in exception-tracking calls as required.
Promptly report upward or downward numerical changes in client borrower risk assessments to the Director of Portfolio Management and Underwriting.
Assist with Watch Reports and present to the Watch Committee as needed.
Support special projects and other team members as needed, respond promptly to credit review requests, and continue developing underwriting and analytical skills.
Safeguard client and sensitive information in accordance with bank guidelines.
Maintain working knowledge of applicable bank policies and federal, state, and local banking laws and regulations, and complete assigned bank training on time.
Report processes that may not meet regulatory requirements, including suspected or confirmed fraud, to management or through the Integrity in Action hotline.
Identify and recommend cross-selling opportunities for ancillary bank products, including Treasury Services, International Banking, Equipment Finance, and Private Banking.
Annual involvement in at least one civic, community, or industry-related activity is strongly encouraged.