Commercial Portfolio Manager

Job Function / Summary

Working under the direct supervision of a Portfolio Group Manager, Senior Group Sales Manager or Market President, the Commercial Portfolio Manager 4 is a significant supporting member of the client’s Credit Delivery Team, i.e., Relationship Manager (RM), Commercial Client Administrator (CCA), market leadership, credit officer, etc. Adhering to the guidance of bank policy and standards, this position’s primary responsibilities include credit analysis, underwriting, and portfolio management.

The assigned portfolio will primarily consist of Wholesale Banking relationships representing a range of industries, including general C & I, manufacturing, distribution, professional services, transportation, and specialties. The loan portfolio will include, but is not limited to, lines of credit, term notes, owner‑occupied real estate, and ancillary credit exposure products. The position will also assist the RM in identifying and recommending new prospective clients to grow the portfolio and cross‑sale opportunities to strengthen existing client relationships.

• Partner with RMs, market leadership, senior management, and credit officers to originate, monitor, maintain, and grow profitable Wholesale Banking relationships.
• Perform due diligence, credit analysis, underwriting, recommend borrower and facility risk assessment ratings, and prepare credit approval packages for new and existing loans, extensions, modifications, and amendments.
• Conduct ongoing portfolio management, monitoring, and risk management activities to confirm that relationships adhere to established credit policy, procedures, and business strategy, as well as commercial and regulatory guidelines.
• Ensure loan agreements are accurately documented as approved, added to the master loan agreement tracking reports, and monitored for compliance.
• Prepare annual or administrative reviews to assess client and guarantor financial performance, covenant compliance, and to update borrower and facility risk ratings within established target review dates.
• Effectively communicate with internal business partners—such as loan operations, credit services, credit review, audit, treasury services—to engage them throughout the underwriting and portfolio management process.
• Perform reviews and form opinions on third‑party prepared due‑diligence documents (appraisals, environmental reports, inspections, construction budgets, projections, etc.).
• Work with outside legal counsel, as needed, to prepare and review attorney‑prepared loan documentation, resolving documentation issues.
• Participate with RMs in client/prospect calls to gain a thorough understanding of the client/prospect and their business.
• Assist with client servicing, collecting borrower and guarantor financials, transaction information, monitoring loan maturities, and past‑due loans.
• Review borrowing base certificates, verification of liquidity, and other periodic documentation in accordance with applicable loan agreement monitoring.
• Periodically review borrower’s electronic file depository to assess completeness of files and accurate filing of documents.
• Monitor client operating performance against original underwriting and projections upon receipt of required reporting information.
• Verify coding, borrower and facility risk rating assessments (and dates) and expected loss ratios are accurate and correctly recorded on the loan system.
• Conduct due diligence and industry/market analysis to evaluate client and guarantor credit capacity and quality.
• Keep informed of current economic conditions and legislation that may affect client relationships and the Wholesale Line of Business.
• Perform pre‑closing documentation review of new/renewal lending documents, inspecting for completeness and accuracy in accordance with the loan approval.
• Monitor and resolve document exceptions—including loan coding, collateral, and critical documentation exceptions—and participate in loan agreement exception tracking calls as required.
• Promptly notify the Director of Portfolio Management and Underwriting of any numerical movement in a client’s borrower risk assessment.
• Assist in the preparation of…