Senior Commercial Portfolio Manager

Georgia's Own Credit Union•Atlanta, GA

1d•Hybrid

About The Position

Serve as portfolio management officer for an assigned commercial banking portfolio, providing ongoing post-origination credit surveillance, risk identification, and portfolio reporting throughout the life of the relationship. This role is distinct from underwriting and operates within the portfolio management framework established by the Director, Commercial Portfolio Management. The position is responsible for proactive monitoring of borrower performance, covenant compliance, risk rating integrity, watchlist administration, annual review coordination, concentration monitoring, and effective partnership with Lending, Credit, and Special Assets to support strong enterprise credit governance and disciplined portfolio management.

Requirements

Bachelor’s degree from an accredited university in finance, accounting, business, real estate, economics, or a related field.
3 - 5 years of progressive experience in commercial banking or commercial real estate credit, with meaningful responsibility for post-origination portfolio management, credit risk monitoring, annual reviews, covenant compliance, or related portfolio surveillance activities.
Demonstrated ability to analyze borrower and guarantor financial statements, tax returns, rent rolls, property operating statements, borrowing base certificates, global cash flow, collateral performance, and other credit monitoring information.
Experience with commercial real estate and commercial & industrial lending, including ongoing risk assessment for construction, acquisition, income-producing real estate, owner-occupied real estate, lines of credit, and other commercial credit structures.
Experience supporting problem credit identification, watchlist administration, criticized/classified asset monitoring, examiner reviews, audit requests, or loan review processes strongly preferred.
Strong attention to detail, sound judgment, and the ability to identify emerging risk trends and escalate concerns appropriately.
Strong commercial credit, financial analysis, and portfolio surveillance skills.
Ability to assess risk trends, recommend appropriate risk mitigation actions, and communicate findings clearly to management and business partners.
Experience with risk rating frameworks, covenant tracking, exception management, watchlist administration, and recurring portfolio review processes.
Advanced knowledge of Microsoft Office, particularly Excel and Word, and ability to work effectively with portfolio monitoring and loan tracking systems.
Strong organizational skills and ability to manage multiple relationships, review cycles, and deadlines simultaneously.
Ability to work independently while partnering effectively with Lending, Credit, Loan Operations, Special Assets, and other internal stakeholders.
Strong written and verbal communication skills, including the ability to prepare concise, well-supported portfolio and credit risk reporting.
Ability to be flexible based on portfolio priorities, regulatory expectations, and internal business needs.

Nice To Haves

Experience supporting problem credit identification, watchlist administration, criticized/classified asset monitoring, examiner reviews, audit requests, or loan review processes strongly preferred.

Responsibilities

Oversee ongoing financial performance monitoring for an assigned commercial banking and commercial real estate loan portfolio, including commercial real estate, commercial and industrial, construction, acquisition, income-producing real estate, owner-occupied real estate, and revolving credit relationships, through analysis of borrower financial statements, operating trends, cash flow performance, collateral performance, guarantor support, and refinancing capacity.
Track covenant compliance, borrowing base requirements, financial reporting requirements, exceptions, maturities, documentation issues, and other post-closing credit requirements; follow up directly with relationship partners and borrowers as needed to resolve deficiencies, document action plans, and ensure timely escalation when concerns emerge.
Maintain accurate and timely risk ratings for assigned relationships by identifying material changes in borrower performance, collateral quality, guarantor strength, market conditions, or other risk factors, and recommend rating migration, watchlist action, or other credit actions when warranted.
Administer watchlist relationships and support early problem loan identification by recognizing adverse trends such as declining cash flow, covenant erosion, tenant instability, refinancing pressure, collateral weakness, sponsor deterioration, or other emerging concerns before delinquency occurs.
Coordinate and complete annual reviews, periodic portfolio reviews, renewals, modifications, and recurring credit surveillance activities in accordance with policy, regulatory expectations, portfolio risk characteristics, and portfolio management procedures established for the department.
Prepare portfolio surveillance reporting, exception reporting, risk migration reporting, concentration reporting, and other portfolio intelligence used for management, senior credit leadership, committees, and other stakeholders to evaluate portfolio risk and support enterprise credit governance.
Monitor portfolio concentrations by industry, property type, geography, sponsor, risk grade, and other relevant segmentation factors to identify emerging trends, evaluate portfolio risk, and support management reporting.
Partner closely with Lending, Underwriting, Credit Administration, Loan Operations, and Special Assets to ensure coordinated management of borrower relationships, consistent portfolio discipline, timely communication of borrower-level risk matters, and appropriate risk mitigation strategies.
Support internal audit, loan review, examiner, and regulatory requests by providing accurate portfolio data, credit file support, exception detail, and evidence of ongoing monitoring and risk management activities.
Maintain complete and accurate portfolio documentation, tracking systems, monitoring records, and credit memoranda suitable for internal approval, audit, and regulatory review in accordance with policy and procedure.
Maintain a thorough knowledge of commercial banking and commercial real estate portfolio management practices, internal credit policy, regulatory expectations, and applicable compliance requirements.
Perform other duties as may be assigned.