Commercial Portfolio Manager

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The Equipment Finance (EF) Portfolio Manager 3 (PM3) provides credit underwriting and portfolio administration support to all EF product segments for intermediate transactions. The PM3 works with limited guidance and oversight to review deals and contribute an initial credit risk assessment to the EF transaction review process, manages the subsequent credit screening process, performs detailed credit underwriting, drafts concise credit memorandums, and communicates results with the EF Group Portfolio Manager, Relationship Managers, the Director of EF and Credit Officers.

The PM3 facilitates loan/lease closing and ongoing portfolio administration, monitoring and surveillance and mentors/trains Junior EF PMs.

• Works in conjunction with the deal team (Relationship Manager, credit officer, Asset Manager, EF credit team, Director of EF) to screen deals for viability, credit structure, business issues, pricing, asset risk, residual risk, documentation, legal, and other relevant issues in order to recommend credit opportunities and proposals.
• Underwrites and manages credit relationships greater than or equal to $25MM with complex structures, capital stacks that are growing in complexity, and risk profiles that grow in complexity.
• Manages a portfolio of in excess of $300MM across approximately 30+ relationships.
• Pre‑underwrites to synthesize and address key risks (credit, repayment, structure, asset support, documentation, adequate return for risk, execution, and reputational risk).
• Supports potential originate‑to‑syndicate transactions, sell‑side opportunities, and Corporate Credit Profile Relationships.
• Prepares confidential information memorandums to help support sell‑down transactions and originate‑to‑syndicate transactions.
• Underwrites new buy‑side loan and lease transactions accurately and timely for credit approval.
• Underwrites or provides underwriting support for transactions in EF Bank markets, providing EF specialty and consulting as needed and for transactions that have defined capital markets sell‑side and syndication potential.
• Works directly with EF Relationship Managers to obtain all necessary financial statements and transaction information in order to analyze credit requests.
• Assists in the review and approval of lease and loan documentation, whether internally or externally prepared, to ensure accuracy and completion in accordance with loan approval.
• Assists in ordering equipment and collateral valuations and reviews Collateral Gap Analyses.
• Tracks loan and lease agreement compliance ensuring that relationships within the EF portfolio are monitored per the terms of the Loan Agreement and bank policy.
• Monitors and works with Relationship Manager and other EF teammates to clear payment Past Dues.
• Performs annual reviews to assess obligor and guarantor performance and risks associated with the transaction.
• Tracks and resolves document exceptions related to closing and ongoing exceptions; monitors credit status and quality of loans and leases on a regularly scheduled basis, including assessment of current risk rating.
• Keeps informed of current economic conditions and legislation, which may affect customer relationships and the Commercial Line of Business.
• Tests obligor and guarantor operating performance against original underwriting and projections upon receipt of required reporting information (i.e., monthly, quarterly, semi‑annual, or annual financial statements).
• Assists and mentors junior EF Portfolio Managers.
• Supports and assists other EF teammates as workload and ad‑hoc project load dictates.
• Works in conjunction with direct supervision of the EF Portfolio Group Manager and partners with other Relationship Managers.

None

• Bachelor's degree in Business Administration, Finance, Accounting or a related field.
• Master’s degree, CPA Preferred.
• Successful completion of a formal credit training or certificate program and experience underwriting and closing tax‑exempt transactions preferred.
• 5+ years of…