Portfolio Oversight Manager

The Portfolio Oversight Manager is responsible for leading and strengthening the bank’s credit review and portfolio management function to support safe, sound, and profitable growth. This role oversees the design and execution of portfolio-level credit monitoring, early-warning processes, and watch-list governance, ensuring timely identification of emerging risks, adherence to credit policy, and alignment with regulatory expectations. The Portfolio Oversight Manager partners closely with Credit Administration, Lending, Special Assets, and senior management to provide meaningful portfolio insights, recommend risk-mitigating actions, and continuously enhance the bank’s portfolio management framework.

Full-time

The Portfolio Oversight Manager is responsible for leading and strengthening the bank’s credit review and portfolio management function to support safe, sound, and profitable growth. This role oversees the design and execution of portfolio-level credit monitoring, early-warning processes, and watch-list governance, ensuring timely identification of emerging risks, adherence to credit policy, and alignment with regulatory expectations. The Portfolio Oversight Manager partners closely with Credit Administration, Lending, Special Assets, and senior management to provide meaningful portfolio insights, recommend risk-mitigating actions, and continuously enhance the bank’s portfolio management framework.

• Lead the management and optimization of the Bank’s portfolio management system, including system configuration, data integrity, and reporting outputs.
• Monitor portfolio-level risk trends (e.g., risk rating migration, industry concentrations, collateral coverage, exceptions, delinquencies) and recommend appropriate actions to line management and senior leadership.
• Develop, maintain, and enhance early-warning indicators and monitoring routines to proactively identify deteriorating credits or segments.
• Coordinate with Credit Administration and Special Assets to ensure timely escalation and resolution of emerging problem credits.
• Oversee processes to ensure timely collection, spreading, and analysis of ongoing financial information (e.g., borrower financial statements, tax returns, rent rolls, borrowing base certificates) for designated portfolios and relationship segments.
• Monitor financial performance, covenant compliance, and borrowing base availability; initiate appropriate follow-up or corrective actions when deterioration or non-compliance is identified.
• Provide guidance to relationship managers and analysts on interpreting financial trends and assessing borrower capacity and performance.
• Oversee analysis and monitoring of lines of credit secured by accounts receivable, inventory, or other fluctuating collateral, including periodic borrowing base testing and margin adequacy reviews.
• Coordinate with the portfolio review assistant and lending teams to facilitate the timely renewal of maturing loans, with appropriate updated financial analysis, risk rating review, and documentation.
• Monitor upcoming maturities at the portfolio level, identify potential renewal bottlenecks, and help drive timely completion to minimize exceptions and administrative extensions.
• Perform post-mortem analysis on charged-off and adversely classified transactions to identify patterns, root causes, and missed opportunities for loss prevention or early remediation.
• Present findings and recommendations to Credit Administration, senior management, and relevant committees, and help incorporate lessons learned into policies, underwriting standards, and monitoring practices.
• Contribute to enhancements in portfolio management tools, reporting, and workflows to improve efficiency…