Senior Commercial Portfolio Manager
About The Position
The Senior Commercial Portfolio Manager supports assigned Commercial Banking Officers with credit administration and portfolio management, helping manage the growth, risk, and profitability of a commercial loan portfolio. The role covers credit analysis, drafting term sheets and commitment letters, loan closings, annual reviews, file memoranda, and property inspections. The manager works independently on commercial and real estate transactions and relationships, while coordinating with Commercial Banking Officers and customers to gather information for ongoing portfolio monitoring and maintenance. The role uses technology to improve operational efficiency and follows the Bank’s policies and procedures for underwriting, commitments, and loan closings.
Requirements
- Bachelor’s degree and at least 5 years of experience in bank secrecy, operations, or a similar field, or an equivalent combination of education and experience.
- Ability to work independently.
- Ability to prioritize multiple competing demands and projects.
- Strong internal and external customer focus.
Nice To Haves
- General familiarity with a banking or similar environment involving multiple sites secured by alarm systems.
Responsibilities
- Monitor assigned commercial relationships for risk and assess credit quality through financial statement collection, management of matured loans, renewals of existing lines of credit, annual reviews, criticized asset reports, and loan covenant testing.
- Maintain the loan tickler system and ensure loan and relationship data are accurate across Bank software, including loan risk ratings, annual review coding, and reduced credit administration coding.
- Meet regularly with assigned Commercial Banking Officers to coordinate current and upcoming tasks.
- Analyze applicants’ management capacity, financial condition, ability to repay, collateral support, and business and industry position and environment to support sound credit decisions with the assigned Commercial Banking Officer.
- Prepare loan presentations for Commercial Banking Officer approval, management loan committee, and the Board of Directors as required by loan policy, including pricing, structure, and recommended terms.
- Draft commitment letters for approved loans.
- Identify opportunities to provide additional Bank services to existing relationships.
- Assist with reviews of construction loan and line-of-credit advances and conduct property inspections.
- Follow up on renewals and assist with loan collection.
- Order appraisals and prepare internal real estate evaluations in accordance with Bank policy and procedures.
- Serve as a point of contact for customers in the assigned portfolio, coordinate customer calls with the Commercial Banking Officer, and attend calls as requested.
- Participate in community organizations and events in Bank communities and in related business development activities.
- Perform other duties as assigned.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
