Commercial Portfolio Manager

Hancock Whitney•Ridgeland, 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 Credit Delivery Team. The role focuses on credit analysis, underwriting, and portfolio management in accordance with bank policies and standards. The assigned portfolio primarily includes Wholesale Banking relationships across industries such as general C&I, manufacturing, distribution, professional services, transportation, and specialty sectors. Loan products include lines of credit, term notes, owner-occupied real estate, and ancillary credit products. The role also supports identifying prospective clients and cross-selling opportunities to grow the portfolio and strengthen existing relationships. The position manages a portfolio of Wholesale Banking credits of simple to moderate complexity, typically comprising 15–25 relationships and approximately $50–$75 million in total commitments, varying by market. It partners with relationship managers, market leadership, senior management, credit officers, and other internal teams to originate, monitor, maintain, and grow profitable client relationships. The role performs due diligence, credit analysis, underwriting, risk assessment, credit approval preparation, ongoing portfolio monitoring, loan documentation review, and annual or administrative reviews. It also supports client servicing, compliance monitoring, exception resolution, and special projects. The position requires a bachelor’s degree and at least three years of general banking, credit analysis, relationship management, or related experience. It calls for strong analytical, financial, communication, organization, customer service, and collaboration skills, as well as knowledge of lending, credit risk, loan documentation, banking products, and relevant regulations. The role has no supervisory responsibilities and requires the ability to work under stress, meet deadlines, travel, and lift or carry approximately 25 pounds if required to perform essential functions.

Requirements

Bachelor’s degree required; a degree in Business Administration, Finance, Accounting, or a related field is preferred.
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, including the ability to analyze and interpret business, professional, technical, and regulatory materials; write reports and correspondence; and present information and respond to questions.
Ability to read and analyze 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.
Ability to perform quick calculations using 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 work with instructions presented in written, oral, diagram, or schedule form.
Ability to multitask, meet tight timelines, and solve problems using sound logic.
Computer literacy, ability to learn new software systems quickly, and proficiency with Microsoft Office Suite.
Collaborative and highly coachable approach.
Customer service orientation and presentation skills.
Understanding of macroeconomic and microeconomic issues as they apply to business.
Understanding of lending-related risk concepts, including market, interest-rate, and leverage risk.
Well organized.
Ability to work under stress and meet deadlines.
Ability to travel.
Ability to lift, move, or carry approximately 25 pounds if required to perform essential job functions, subject to accommodation as described in the posting.

Nice To Haves

Bachelor’s degree in Business Administration, Finance, Accounting, or a related field.
Credit analysis training, a certificate program, or experience in credit analysis.
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.
Conduct due diligence, credit analysis, and underwriting; recommend borrower and facility risk ratings; 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 policy, procedures, business strategy, commercial guidelines, and regulatory requirements.
Ensure loan agreements are accurately documented, entered into master loan agreement tracking reports, and monitored for compliance.
Prepare annual and administrative reviews assessing client and guarantor financial performance and covenant compliance, and update borrower and facility risk ratings within established review dates.
Coordinate with internal partners, including loan operations, credit services, credit review, audit, and treasury services, throughout underwriting and portfolio management.
Participate in client and prospect calls with relationship managers as appropriate.
Partner with relationship managers on due diligence and analysis for opportunity memos for new-to-bank clients.
Serve as a client contact or liaison to the Credit Delivery Team and other business partners when appropriate.
Participate with relationship managers in discussing and presenting credit requests to market leadership and credit officers as appropriate.
Assist relationship managers and commercial client administrators with client servicing, collecting financial and transaction information, and monitoring maturities and past-due loans.
Review borrowing base certificates, verify liquidity, and review other periodic documentation required by loan agreements.
Conduct industry and market analysis to evaluate client and guarantor credit capacity and quality.
Stay informed about economic conditions and legislation affecting 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 when reporting is received.
Verify loan-system coding, borrower and facility risk ratings and dates, and expected loss ratios.
Work with relationship managers and commercial client administrators to monitor and resolve documentation exceptions, including loan coding, collateral, and critical documentation exceptions; participate in exception-tracking calls as required.
Promptly notify the Director of Portfolio Management and Underwriting of upward or downward changes in client borrower risk assessments.
Assist with Watch Reports and present to the Watch Committee as needed.
Assist with portfolio management team or regional special projects as needed.
Respond to credit review questions and provide missing documentation in a timely manner.
Develop underwriting skills and analytical techniques through interactions with managers, credit officers, and senior associates.
Support other team members as workload requires; exchange ideas and express concerns openly.
Safeguard client information in accordance with bank guidelines.
Maintain knowledge of applicable bank policies and federal, state, and local banking and industry laws and regulations, including AML, Gramm-Leach-Bliley, OFAC, CRA, Fair Lending, and the Bank Secrecy Act.
Complete assigned bank training on time.
Report procedures or processes that do 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.