SAM Commercial Portfolio Manager (Remote: FL, VA, GA, AL, NC, SC, TX, CO)
About The Position
The SAM Commercial Portfolio Manager supports the Special Assets commercial loan portfolio of one or more SAM Commercial Resolutions Officers and Team Leads. The role provides quality underwriting and sound portfolio management to reduce problem assets and minimize losses to the bank. It analyzes credit requests and portfolio activity, prepares commercial loan packages and recommendations, guides requests through the credit approval process, and monitors portfolio compliance, risk grading, documentation, and maturing loans. The position also works with internal and external partners, engages with customers when directed, and supports regulatory and policy compliance. This is a remote role for candidates in Florida, Virginia, Georgia, Alabama, North Carolina, South Carolina, Texas, or Colorado. The position requires a secure, distraction-free home office and reliable private internet access; travel may be required for meetings. The role involves substantial computer use and may be performed sitting or standing.
Requirements
- Four-year degree in Business Administration, Finance, Accounting, or a related field, or equivalent experience.
- At least 5 years of experience in credit analysis, commercial banking, or business banking, including at least 5 years of specific portfolio management and/or underwriting experience.
- Familiarity with loan structuring and loan documentation.
- Knowledge of accounting and lending principles.
- Excellent oral and written communication skills.
- In-depth knowledge of federal and state lending regulations and bank lending policies and procedures.
- Proficiency in Microsoft Excel, Microsoft Word, nCino, and Fiserv.
- Strong interpersonal, listening, organizational, accuracy, and attention-to-detail skills.
- Ability to multitask and function well under pressure, remain composed when responding to concerns, and maintain a positive and helpful attitude.
- Willingness to participate in training opportunities.
- Ability to access and interpret information on computer screens, documents, reports, and cash denominations, and identify customers.
- For telecommuting, ability to maintain a secure home office free from background noise and distractions, with reliable private internet service not supplied by cellular data; cable or fiber is preferred.
- Ability to travel to meetings as needed.
Nice To Haves
- Graduation from a recognized school of banking.
Responsibilities
- Analyze financial information to evaluate the creditworthiness of renewals, modifications, forbearance requests, and ongoing portfolio management activity under bank policies and procedures.
- Compile complete and accurate commercial loan packages, including credit memos, borrower and guarantor analyses, transaction risk assessments, risk grades, and recommendations.
- Perform additional in-depth credit analysis when needed, using tools beyond traditional spreads and global cash flow analysis.
- Guide loan requests through the Credit Approval Process and ensure loan structures meet client needs and bank objectives.
- Ensure commercial loan relationships comply with state and federal regulations and bank policies and procedures.
- Monitor and service assigned commercial loan portfolios, including covenant testing and tracking, annual servicing reviews, criticized loan asset reports, and exception clearing.
- Review the commercial portfolio for potential upgrades and properly grade loan risk, recommending adjustments when circumstances or information change.
- Assist the CRO and TL with credit presentations to Credit Administration, bank leaders, and committees.
- Ensure required loan documentation is on file and help resolve documentation or compliance deficiencies with the CRO, TL, and SAM Loan Assistant.
- Engage with customers as directed by the CRO or TL to collect financial information.
- Build and maintain positive working relationships with internal business partners, attorneys, appraisers, vendors, and others.
- Undertake special projects assigned by the Director of Special Assets or SAM Commercial Resolutions TL.
- Participate in professional training and cross-training to update and improve job skills.
- Work with the CRO and TL to monitor maturing loans.
- Maintain knowledge of lending laws, regulations, products, services, and bank policies; adhere to applicable requirements, including BSA, AML, CIP, and OFAC responsibilities.
- Demonstrate commitment to fair lending practices and comply with corporate policies and applicable federal and state requirements.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
