Portfolio Manager

Key Responsibilities

• Manage and monitor a $110 million commercial loan portfolio, ensuring strong asset quality and customer service.
• Partner with Commercial Lenders to analyze new and existing credit relationships.
• Perform annual reviews, covenant compliance monitoring, risk rating updates, and portfolio maintenance.
• Analyze financial statements, tax returns, cash flow, collateral, and global debt service coverage.
• Prepare detailed credit presentations and loan recommendations for management and loan committee approval.
• Identify emerging credit risks and recommend appropriate mitigation strategies.
• Maintain accurate loan documentation and ensure compliance with internal policies and regulatory requirements.
• Assist lenders with relationship management, customer requests, renewals, modifications, and loan closings.
• Communicate directly with business owners and commercial clients to gather financial information and support ongoing relationships.
• Work collaboratively with credit administration, loan operations, and executive leadership to ensure efficient portfolio management.

• Bachelor's degree in Finance, Accounting, Business, Agricultural Economics, or a related field preferred.
• 3+ years of commercial banking experience in portfolio management, commercial credit analysis, underwriting, or commercial lending.
• Strong understanding of commercial lending principles, financial statement analysis, cash flow analysis, and loan structuring.
• Experience working with commercial real estate, C&I, and agricultural lending is highly preferred.
• Excellent analytical, organizational, and communication skills.
• Ability to manage multiple priorities while maintaining exceptional attention to detail.
• Proficiency with commercial loan systems and Microsoft Office applications

All qualified applicants will receive consideration without regard to race, age, color, sex (including pregnancy), religion, national origin, disability, sexual orientation, gender identity, marital status, military status, genetic information, or any other status protected by applicable laws or regulations.