Commercial Portfolio Manager

Commercial Portfolio Manager

Maine Community Bank – Gorham, ME (Full‑time)

The Commercial Portfolio Manager supports Commercial Banking Officers by focusing on credit administration and portfolio management. The role assists in managing growth, risk, and profitability of the commercial loan portfolio through credit analysis, term sheets, commitment letters, loan closings, financial statement review, annual reviews, covenant testing, file memo creation, and property inspections. The manager must manage commercial and real estate relationships and leverage technology to achieve operational efficiencies while ensuring all activities comply with Bank policies and procedures, including underwriting, commitment, and closing.

• Assists in managing existing commercial relationships by monitoring risk within the assigned portfolio, assessing credit quality through financial statement collection, management of matured loans, renewal of existing lines of credit, annual reviews, criticized asset reports, and loan covenant testing.
• Maintains the loan tickler system and ensures loan and relationship accuracy across all Bank software, including loan risk ratings, annual review coding, and reduced credit administration coding.
• Meets with assigned Commercial Banking Officers regularly to coordinate the completion of current and upcoming tasks efficiently.
• Analyzes business credit applicants’ management capacity, financial condition, ability to repay, collateral support, and industry position to make sound credit decisions in conjunction with the assigned Commercial Banking Officer, consistent with Bank policies and procedures.
• Prepares loan presentations for Commercial Banking Officer approval, management loan committee, and the Board of Directors as required under the Bank’s loan policy, including loan pricing, structure, and terms, and drafts commitment letters for approved loans.
• Identifies opportunities for additional Bank services to existing relationships.
• Assists in reviewing construction loan advances and line of credit advances as requested.
• Conducts property inspections, orders appraisals, and prepares internal real estate evaluations in accordance with Bank policy and procedures.
• Acts as a point of contact for customers within the assigned portfolio, coordinates customer calls with the Commercial Banking Officer, and attends customer calls as requested.
• Actively participates in community organizations and events in the communities that the Bank serves.
• Performs other duties as assigned.

• Bachelor’s Degree preferably and five or more years of commercial credit underwriting experience, including commercial and industrial and commercial investment real estate borrowers; or an equivalent combination of education and experience.
• Strong customer service and relationship building skills.
• Ability to comply with all Bank policies and procedures, including BSA and Information Security policies.
• Ability to maintain confidentiality and protect the Bank by keeping information concerning Bank operations and customer information confidential.
• Good organizational skills.
• Knowledge of Microsoft products and other Bank software.

• Prolonged periods working at a computer.
• Work spaces are generally comfortable and pleasant.
• Periodic travel may be required.

Mid‑Senior level

Full‑time

Finance and Sales, Banking