Loan Portfolio Manager

Since its inception in 1973, the shareholders and management of NBT Financial Bank (NBT) have maintained the same long term vision for the bank. We are a locally owned, independent, community bank that intends on providing prompt, courteous service to our customers, and looks to establish long-term relationships with those we serve.

NBT is a community bank, which means we believe in serving and supporting the markets where we are located. NBT strongly encourages all employees to take an active role in the communities they serve. There will be multiple opportunities throughout the year where NBT will ask for employee volunteers to help at events the bank has sponsored.

These are great opportunities for NBT employees to serve our communities, while also spreading NBT’s brand. NBT also has a Community Involvement Program, where employees can earn additional PTO by volunteering at qualified events.

Reports To: Regional Market President and/or Branch President

Classification: Exempt

The Loan Portfolio Manager II is responsible for providing independent portfolio management, credit administration, and underwriting support for commercial lending relationships within assigned markets. This position partners closely with lending officers and market leadership to support portfolio quality, credit administration, customer service, annual reviews, covenant monitoring, and the credit approval process.

The Loan Portfolio Manager II serves as a key resource throughout the commercial lending and portfolio management process, coordinating with Loan Assistants, lenders, Credit Administration, and Loan Operations to facilitate timely and accurate credit administration and portfolio support activities.

This position supports NBT’s community banking philosophy through participation in customer relationship-building activities and community engagement opportunities within the markets served.

• Provide portfolio management and credit administration support for commercial lending relationships within assigned markets.
• Partner with lending officers and market leadership to monitor portfolio performance, identify developing credit concerns, and maintain portfolio quality.
• Complete annual reviews, renewals, modifications, and portfolio maintenance activities.
• Ensure timely collection and review of required borrower financial reporting.
• Monitor covenant compliance, document exceptions, and assist with timely resolution.
• Review collateral inspections, evaluations, appraisals, environmental reports, and other due diligence requirements.
• Manage maturing loans to ensure timely renewal, modification, or payoff.
• Assist with criticized, classified, and watch list relationships.
• Coordinate with lending officers to maintain portfolio quality and compliance.

• Analyze commercial financial statements, tax returns, balance sheets, income statements, and cash flow analyses.
• Evaluate guarantor strength, liquidity, leverage, and global cash flow.
• Review loan structure, collateral position, covenant requirements, and risk factors.
• Recommend risk ratings and identify emerging credit concerns.
• Assist lenders in structuring commercial real estate, owner-occupied real estate, construction, equipment, and line-of-credit facilities.
• Participate in loan committee presentations and approval discussions as requested.
• Maintain knowledge of Bank policy, regulatory requirements, and sound lending practices.

• Support commercial lending activities throughout the credit approval and portfolio management process.
• Assist lending officers with collection, organization, and review of information necessary for credit analysis and approval.
• Coordinate with Loan Assistants, Credit Administration, Loan Operations, and other departments to facilitate timely progression of assigned credit requests.
• Prepare credit memorandums, annual reviews, renewal requests, modifications, and supporting approval documentation.
• Maintain organized credit files and supporting due diligence materials.
• Assist in resolving underwriting, collateral, appraisal, environmental, title, survey, and documentation issues.
• Support lenders during loan committee preparation and approval processes.
• Assist with transitioning approved loans into ongoing portfolio management and monitoring activities.

• Serve as a primary point of contact for assigned portfolio relationships regarding financial reporting, annual reviews, covenant compliance, and portfolio maintenance.
• Maintain strong customer relationships through proactive communication and responsiveness.
• Assist lending officers in providing exceptional customer service and relationship retention.
• Participate in customer meetings when requested.
• Support timely and accurate resolution of customer requests and inquiries.

• Provide workflow coordination and guidance for Loan Assistants supporting assigned lending…