Commercial Portfolio Manager

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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.

• Effectively partners 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 preparation of credit approval packages for new and existing loans, extensions, modifications, and amendments.
• Perform on‑going portfolio management, monitoring, and risk management activities to confirm that relationships adhere with established credit policy, procedures, and business strategy, as well as commercial and regulatory guidelines.
• Ensure loan agreements are accurately documented as approved, are 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. Ensure that reviews are completed within established target review dates.
• Effectively communicates with various internal business partners, i.e., loan operations, credit services, credit review, audit, treasury services, etc., engaging them as appropriate throughout the underwriting and portfolio management process.
• Performs reviews and forms opinions on third‑party prepared due‑diligence documents (appraisals, environmental reports, inspections, construction budgets, projections, etc.)
• As necessary, work with outside legal counsel in the preparation and review of attorney prepared loan documentation, resolving documentation issues, etc.
• As appropriate, participate with RMs in client/prospect calls in order to gain a thorough understanding of the client/prospect and their business.

• Partners with the RM in preparing the due diligence and analysis required for the preparation of an opportunity memo for new‑to‑bank client relationships.
• As appropriate, partners with the RM as a point of contact for the client or liaison to the Credit Delivery Team and other business partners.
• As appropriate, participates with the RM in the discussions and presentation of credit requests to local market leadership and credit officers.
• Works closely with the RM and CCA to assist with client servicing, collecting borrower, and guarantor financials, transaction information, monitoring loan maturities and past‑due loans, etc. Review borrowing base certificates, verification of liquidity, and other periodic documentation in accordance with applicable loan agreement monitoring.
• Periodi…