Commercial Portfolio Manager - Beaumont

Stellar Bank•Beaumont, TX

About The Position

The Commercial Portfolio Manager manages a portfolio of commercial loan relationships with increasing independence, leads the renewal and annual review process, serves as the secondary point of contact for existing clients on servicing matters and collaborates with Relationship Managers to identify new lending opportunities from the current portfolio. ESSENTIAL DUTIES AND RESPONSIBILITIES Portfolio Management: Independently manage a portfolio of commercial loan relationships across multiple Relationship Managers, potentially across multiple locations. Liaise between Commercial, Credit, and Operations teams. Conduct credit reviews and maintain accurate risk ratings. Ensure compliance with financial covenants and servicing requirements. Lead the renewal and annual review process. Structure modifications to existing exposures and monitor portfolio performance. Manage maturing loans to ensure timely renewal prior to maturity. Credit Analysis and Risk Management: Manage credit risk with prior credit training. Analyze trends within the loan and deposit portfolios and mitigate risks. Monitor financial spreads with receipt of interim financial reporting. Work with Credit Analysts on narrative comments and review overall credit packages. Review loan documentation. Present credit packages or comment during Loan Committees for assigned portfolio loans. Client Interaction and Support: Serve as the second point of contact for prospective customers and the first point of contact on loan underwriting and routine reporting matters for existing customers. Attend initial sales calls with Lenders. Work with clients to collect documentation and answer questions during loan underwriting. Compliance and Administrative Support: Handle Anti-Financial Crimes requests for information and liaise between the bank and customers. Assist with front-end data entry for renewals, modifications, and new opportunities from the portfolio. Order and review field audits. Assist with ACH and RDC reviews and approvals. Verify and approve wires and overdrafts. Compliance with any and all BSA/AML/CFT and Sanctions requirements set forth by Bank Policy and Procedure, including but not limited to timely completion of assigned training. SECONDARY DUTIES The position performs duties specific to the position and other functions as assigned by management. SUPERVISORY RESPONSIBILITY This position is not responsible for the supervision of staff. ENVIRONMENT AND PHYSICAL ACTIVITY The incumbent is in a non-confined office setting in which they are free to move about at will. In the course of performing the duties and responsibilities of this position spends time writing, speaking, listening, lifting (up to 25 pounds), sitting, typing on a computer keyboard, and standing, kneeling and reaching. The incumbent for this position may operate any or all of the following: telephone, copy and fax machine, adding machine, computer and related printers. The physical demands described here are representative of those that must be met by an employee to successfully perform the essential function of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The incumbent in this position must be able to read documents or instruments, detailed work, problem solving, customer contact, reasoning, math, verbal and written communication, analytical reasoning, multiple tasks with constant interruptions.

Requirements

Bachelor’s degree in finance, accounting, business, or related discipline
2+ years of experience in commercial lending, credit underwriting, or portfolio management.
Solid understanding of credit risk, loan structuring, and financial analysis.
Demonstrated ability to manage a portfolio independently.
Strong analytical, problem-solving, and decision-making skills.

Nice To Haves

MBA or CFA preferred.

Responsibilities

Independently manage a portfolio of commercial loan relationships across multiple Relationship Managers, potentially across multiple locations.
Liaise between Commercial, Credit, and Operations teams.
Conduct credit reviews and maintain accurate risk ratings.
Ensure compliance with financial covenants and servicing requirements.
Lead the renewal and annual review process.
Structure modifications to existing exposures and monitor portfolio performance.
Manage maturing loans to ensure timely renewal prior to maturity.
Manage credit risk with prior credit training.
Analyze trends within the loan and deposit portfolios and mitigate risks.
Monitor financial spreads with receipt of interim financial reporting.
Work with Credit Analysts on narrative comments and review overall credit packages.
Review loan documentation.
Present credit packages or comment during Loan Committees for assigned portfolio loans.
Serve as the second point of contact for prospective customers and the first point of contact on loan underwriting and routine reporting matters for existing customers.
Attend initial sales calls with Lenders.
Work with clients to collect documentation and answer questions during loan underwriting.
Handle Anti-Financial Crimes requests for information and liaise between the bank and customers.
Assist with front-end data entry for renewals, modifications, and new opportunities from the portfolio.
Order and review field audits.
Assist with ACH and RDC reviews and approvals.
Verify and approve wires and overdrafts.
Compliance with any and all BSA/AML/CFT and Sanctions requirements set forth by Bank Policy and Procedure, including but not limited to timely completion of assigned training.
Performs duties specific to the position and other functions as assigned by management.