Head of Commercial Portfolio Management
About The Position
The Portfolio Management Manager is responsible for leading and overseeing the commercial portfolio management function. This role ensures the timely and accurate monitoring of commercial loan relationships, financial statement spreading, covenant compliance, annual review completion, risk rating integrity, and portfolio risk management for all lines of business. The Manager provides leadership, coaching, workload oversight, and quality assurance for the team while serving as a key partner to Business Development Officers (BDOs), Underwriting, Credit Administration, Special Assets, and executive management. The Portfolio Management Manager is accountable for maintaining a high-quality loan portfolio, ensuring compliance with bank policies and regulatory expectations, and producing examiner-defensible credit administration practices. The position also serves as a key escalation point for emerging credit concerns and portfolio risks.
Requirements
- 8+ years of commercial banking, underwriting, credit administration, or portfolio management experience.
- Strong background in commercial credit analysis and portfolio risk management.
- Advanced financial statement analysis skills.
- Experience with SBA lending programs, including SBA loan structures, eligibility requirements, documentation standards, servicing expectations, and portfolio monitoring requirements.
- Strong knowledge of commercial loan structures and credit risk management.
- Thorough understanding of covenant monitoring and portfolio administration.
- Strong leadership and coaching skills.
- Excellent written and verbal communication abilities.
- Strong organizational and project management skills.
- Experience with nCino, Salesforce, financial spreading software, and reporting tools.
Nice To Haves
- 3+ years of management or supervisory experience preferred.
- Advanced banking school, credit certification, or MBA preferred.
Responsibilities
- Lead, coach, and develop team members.
- Establish performance expectations, goals, and development plans, conduct performance evaluations and provide ongoing feedback.
- Manage workload distribution to ensure deadlines are met.
- Promote consistency in portfolio management practices across the team.
- Oversee the performance and risk profile of the commercial loan portfolio.
- Review portfolio trends and emerging risks.
- Monitor criticized, classified, and watch list relationships.
- Ensure timely escalation of credit concerns.
- Partner with Credit Officers and Underwriters on risk mitigation strategies.
- Monitor portfolio concentrations and industry exposures.
- Ensure timely completion of financial statement spreading.
- Monitor annual review completion and renewal pipelines.
- Review quality and accuracy of financial analyses performed by staff.
- Ensure financial information is current and sufficient for risk assessment.
- Establish service-level expectations for portfolio management activities.
- Review and approve risk rating recommendations within delegated authority.
- Ensure covenant monitoring processes are effective.
- Identify systemic portfolio risks and recommend corrective actions.
- Support problem loan identification and remediation efforts.
- Ensure compliance with loan policy, regulatory requirements, and bank procedures.
- Maintain examiner-ready portfolio management processes.
- Work with BDOs and credit to respond to internal audits, loan reviews, and regulatory examinations.
- Drive continuous improvement initiatives within the portfolio management function.
- Collaborate with BDOs to support customer retention and relationship growth.
- Resolve portfolio-related issues that affect client relationships.
- Participate in relationship planning and portfolio strategy discussions.
- Balance risk management objectives with business development goals.
- Report on annual review status, covenant compliance, exception trends, and portfolio quality metrics.
- Present material portfolio concerns and recommendations to Management.
- Support strategic planning and portfolio management initiatives.
- Approve routine portfolio actions within delegated authority.
- Recommend risk rating changes.
- Escalate material credit concerns to senior credit leadership.
- Approve workload assignments and staffing priorities.
- Establish portfolio management procedures and quality standards.
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What This Job Offers
Job Type
Full-time
Career Level
Manager
