Commercial Portfolio Manager

Job Function / Summary

Working under the direct supervision of a Portfolio Group Manager, Senior Group Sales Manager or Market President, the Commercial Portfolio Manager 2 is a contributing 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 Commercial Portfolio Manager 2 will be assigned to manage a loan portfolio of Wholesale Banking credits of simple to moderate complexity. The portfolio will typically represent 15‑25 relationships and approximately $50–$75 million in total commitments (will vary by market).

• 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 communicate 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.
• 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.
• Conducts the appropriate due diligence and industry and market analysis to evaluate client and guarantor credit capacity and quality.
• Keeps informed of current economic conditions and legislation which may affect client relationships and the Wholesale Line of Business.
• Performs pre‑closing documentation review of new/renewal lending documents, both internally and externally prepared, inspecting for completeness and accuracy in accordance with the loan approval.
• Periodically review the borrower’s electronic file depository to assess for the completeness of files and that documents are accurately filed.
• Monitors client operating performance against original underwriting and projections upon receipt of required reporting information.
• Verifies that coding, borrower and facility risk rating assessments (and dates) and expected loss ratios are accurate and correctly recorded on the loan system.
• Works closely with the RM and CCA to monitor and resolve document exceptions that may arise including, but not limited to, loan coding, collateral and critical documentation exceptions, etc.
• As required, actively participates on the loan agreement…