Credit Portfolio Manager - Regional Commercial Banking

Job Summary

Work Location:

Burlington, Vermont, United States of America

Hours:

40

Pay Details: $91,000 - $136,240 USD

Personal & Commercial Banking

The role is centered on Regional Commercial Borrowers, specifically businesses with annual revenues under $250 million. These organizations span a diverse range of industries and sectors, including manufacturers, distribution companies and retailers, general non‑profits, service providers, and investment commercial real estate borrowers. The position functions as part of a team of underwriters dedicated to covering the New England Market’s geography.

• Comprehensive underwriting for both new and existing clients, managing portfolio tasks such as monitoring financial covenants and interim trends.
• Collaborate closely with Lending and Credit functions within the Bank.
• Gather financial and general business information for customer and prospect loan requests.
• Perform financial analyses needed to make credit decisions.
• Contribute and provide input to group loan decision process based on evaluation of credit risk and other key factors.
• Support commercial banking team and recommend credit solutions that add value to the customer.
• Manage credit activities to ensure performance quality, consistency of underwriting and timeliness meets or exceeds customer expectations.
• May manage overall analytical support and workflow production needs for a department.
• Work on larger, more complex deals, mainly focused on Middle Market.
• May manage and/or lead, and create, develop and introduce commercial and credit‑related initiatives.
• Act as a consultant to business lines regarding credit issues, processes and procedures.
• Function as a resource for business lines and work with senior management on various issues, managing expectations and negotiating timelines.
• Partner with Lending/Credit Officers to address exceptions identified by internal/external auditors and/or examiners.
• Perform periodic inspections at customer sites to audit accounts and ensure adherence to loan agreements and terms; take appropriate action as necessary to correct deficiencies.
• Coordinate with Account and Relationship Managers to perform routine financial analyses and credit investigations.
• Communicate credit decisions to Relationship Managers and Account Managers.
• Manage and oversee workflow and adherence to policy for department.
• Participate in organizational cost‑benefit analysis and implementation.
• Manage activities by creating and maintaining quantifiable service level standards against business performance.
• Ensure timeliness of information and efficiency in process and workflow.
• Maintain confidentiality of credit and customer information at all times.
• May lead a team of Credit Analysts within a region or market.

• Bachelor’s degree or equivalent experience.
• 5+ years related experience.
• Strong understanding of commercial business development techniques and credit decisions.
• Demonstrated business development track record.
• Strong market presence with wide network of outside referral sources for new business.
• Demonstrated credit and financial analysis skills.
• Refined negotiation skills.
• Demonstrated communication skills, both verbal and written.
• Demonstrated PC skills.

• Never: 0%
• Occasional: 1–33%
• Frequent: 34–66%
• Continuous: 67–100%
• Domestic Travel – Occasional;
  International Travel – Never.
• Performing sedentary work – Continuous;
  Performing multiple tasks – Continuous.
• Operating standard office equipment – Continuous.
• Responding quickly to sounds – Occasional;
  Sitting – Continuous;
  Standing – Occasional;
  Walking – Occasional;
  Moving safely in confined spaces – Occasional.
• Lifting/Carrying (under 25 lbs.) – Occasional; (over 25 lbs.) – Never.
• Squatting – Occasional;
  Bending – Occasional;
  Kneeling – Never;
  Crawling – Never;
  Climbing – Never;
  Reaching overhead – Never;
  Reaching forward – Occasional;
  Pushing – Never;
  Pulling – Never;
  Twisting – Never;
  Concentrating for long periods – Continuous.
• Applying common sense to deal with problems involving standardized situations – Continuous.
• Reading, writing and comprehending instructions – Continuous;
  Adding,…