Senior Portfolio Manager
About The Position
The Senior Portfolio Manager partners with Regional Relationship Managers, Relationship Managers, Portfolio Bankers, and Portfolio Specialists to assess the financial condition, creditworthiness, and borrowing needs of prospective and existing clients. The role oversees and directs Portfolio Bankers and Portfolio Specialists to manage credit risk in alignment with the Bank’s risk appetite, policies, and culture. The position provides leadership, coaching, and mentorship to the portfolio team, promotes sound lending practices and credit standards, and develops talent through training and support for employees new to credit analysis and portfolio management. It also manages underwriting workflows and complex loan relationships, supports client relationship development, and drives improvements to portfolio and underwriting processes. The role requires compliance with applicable banking laws, regulations, and internal policies. Work is primarily performed in an office environment with controlled temperature and standard office conditions. The role is eligible for a Vice President or First Vice President officer title, subject to applicable requirements and approvals.
Requirements
- Bachelor’s degree or equivalent work experience.
- Minimum of 7 years’ experience underwriting commercial real estate loans.
- Knowledge of Regulation E (EFT), UCC, Bank Secrecy Act, deposit products, FDIC insurance, investment products, privacy laws, loan products, Regulation BB (CRA), loan documentation, Regulation B (ECOA), account services, Regulation X (RESPA), trust services, Regulation Z (Truth in Lending), bank operations, and the Fair Credit Reporting Act.
- Commercial loan underwriting, credit monitoring, and portfolio management skills.
- Expertise in credit policies and procedures and knowledge of banking products and services.
- Market and industry analysis, strategic judgment, decision-making, and advanced analytical and problem-solving skills.
- Relationship management, client service, cross-selling, business development, consultative sales, and product promotion skills.
- Public speaking, presentation, strong verbal and written communication, and strong spoken and written English skills.
- Team leadership, people management, training, coaching, mentoring, cross-functional collaboration, and high-performing team development skills.
- Time management, prioritization, independent work, self-direction, active listening, and continuous learning skills.
- Telephone and client interaction skills.
- Proficiency in Microsoft Office Suite, including Excel, Word, and PowerPoint.
- Ability to complete a mandatory two consecutive weeks’ absence from essential duties each calendar year, scheduled in coordination with management.
Nice To Haves
- Prior management or supervisory experience.
Responsibilities
- Manage, train, mentor, and coach Portfolio Bankers and Portfolio Specialists; monitor individual and team performance and provide ongoing support.
- Participate in recruitment, interviewing, and hiring of lending professionals.
- Direct the region’s underwriting pipeline and workflow to ensure requests are processed efficiently and deadlines are met.
- Review and approve underwriting analyses, credit recommendations, modification requests, and extension requests before submission to Credit Administration.
- Analyze credit requests, assess borrowers’ ability to qualify for financing, and ensure loans are appropriately structured and risk-rated within lending authorities and limits.
- Ensure portfolio administration and risk management activities comply with credit policies, procedures, strategic objectives, and regulatory requirements.
- Manage and monitor large and complex loan relationships; evaluate financing requests and proposed credit structures, and present formal recommendations to Regional Relationship Managers and Credit Administration.
- Participate in client meetings to strengthen relationships, identify needs, and promote and cross-sell Bank products and services.
- Maintain at least two credit trainee and/or intern positions and oversee their training plans and professional development.
- Review underwriting and portfolio management processes and recommend improvements to forms, procedures, workflows, and management reports.
- Monitor industry trends and analyze market and sector data to identify emerging risks and opportunities in the regional loan portfolio.
- Comply with applicable state and federal banking laws, regulations, and internal policies, including requirements related to lending, operations, deposits, BSA, AML, OFAC, CIP, financial elder abuse reporting, harassment prevention, information security, and privacy.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
