Portfolio Manager

F & M Bank • Timberville, VA

84d

About The Position

The Portfolio Manager plays a critical role in overseeing the performance and quality of the bank’s loan portfolio. This position combines portfolio management, credit analysis, loan authority, and staff training to ensure the loan portfolio is managed timely and the lending and credit staff upholds the Bank’s credit culture through sound lending practices and regulatory compliance. The ideal candidate will be a strategic thinker with strong leadership and analytical skills, with a background in credit analysis.

Requirements

• Ability to communicate effectively orally and/or in writing.
• Ability to read, analyze, and interpret complex financial documents.
• Ability to perform duties using credit analysis software.
• Ability to work with and maintain confidential information.
• Ability to lead and develop a diverse group of subordinates.
• Possess effective interpersonal skills to relate to customers and employees.
• Proficient organizational skills with the ability to function in a flexible work environment.
• Proficient skills in MS Excel, Outlook, and Word.
• A bachelor’s degree in Accounting, Business Administration, Finance, or other related field.
• Three – five years of related experience or equivalent combination of education and experience.

Nice To Haves

• Prior supervisory experience preferred.

Responsibilities

• Manage assigned loan portfolio by working collaboratively with Market Executives to ensure timely credit decisions, i.e., loan renewals, annual relationship reviews, and loan modifications.
• Review and approve commercial loan requests using delegated authority.
• Conduct credit analysis and underwriting for new loans, renewals, and modifications.
• Collaborate with Commercial Relationship Managers to structure deals that align with bank policy and risk appetite.
• Participate in loan committee meetings and present credit recommendations.
• Train credit analysts on underwriting standards, financial analysis, and regulatory compliance.
• Prepare monthly and quarterly reports on portfolio performance, asset quality, and risk trends.
• Conduct stress testing and industry analysis to identify emerging risks.

What This Job Offers

• Job Type: Full-time
• Career Level: Manager
• Number of Employees: 101-250 employees