Wholesale Portfolio Management Officer

Overview

The Wholesale Portfolio Management Officer is responsible for underwriting, managing, and growing a credit portfolio while ensuring compliance with CNB policies. This role combines analytical credit expertise with proactive portfolio management to identify risks early and maintain asset quality. The PM also plays a key role in supporting renewals, extensions, and credit-related cross-sell opportunities. The PM builds strong client relationships through face-to-face (FTF) engagement, identifies opportunities for cross-selling, leverages analytics for decision-making, and collaborates with RMs, Portfolio Risk Officers, Credit Specialists, CSAs, Loan Operations, and other internal partners.

• Drive end-to-end ownership of assigned portfolio; anticipate upcoming actions and ensure timely completion.
• Analyze credit trends and portfolio metrics to identify emerging risks and ensure compliance with the Bank’s credit risk policies and regulatory standards.
• Manage financial tickler records daily through the nCino Covenant Management platform, ensuring timely collection and escalation of exceptions.
• Prepare detailed covenant waiver memoranda, credit approval documentation, and Watch List action plans with a focus on asset quality and recovery.
• Participate in reviews and examinations conducted by auditors, bank examiners, or internal loan review teams.
• Conduct annual reviews and covenant tests.
• Collect and analyze borrower financials to assess performance and recommend covenant waivers when applicable.
• Validate data accuracy for CECL and ALR reporting.
• Maintain accurate records, documentation, and reporting aligned with the Bank’s risk and compliance frameworks.
• Engage with clients directly through face-to-face meetings to discuss credit structures, covenant compliance, and financial performance.
• Attend client meetings with Relationship Managers to build rapport, assess business needs, and deepen client relationships.
• Serve as a trusted credit partner, translating financial insights into actionable recommendations that support both the client’s growth and the Bank’s credit strategy.
• Initiate renewals 150 days before maturity; ensure documentation is complete and accurate.
• Partner with RMs and Loan Operations to coordinate renewals, approvals, and bookings.
• Underwrite loans and produce CAMs for extensions/modifications for existing clients in the portfolio.
• Manage renewal and extension pipelines, proactively addressing bottlenecks or delays.
• Order appraisals, insurance, and environmental reviews; manage vendor deliverables.
• Partner with RMs to prepare for client meetings and support client engagement (target 80% of TCE FTF meetings).
• Use portfolio insights (EWS, ALR, pipeline data) to identify credit and deposit-related cross-sell opportunities.
• Build borrower trust to support independent credit discussions and deepen relationships.
• Provide data-driven insights to RMs and leadership on concentrations, industry exposure, and emerging risks.
• Work cross-functionally with Relationship Managers, Portfolio Risk Officers, Credit Specialists, Loan Operations, and other internal partners.
• Provide timely updates to the Risk Director and RMs on credit exceptions, delinquent items, and potential relationship opportunities.
• Execute ad hoc projects and risk-related analyses as assigned by the Risk Director or their designee.

• Credit Training:
  Completion of formal credit training preferred.
• 10+ years with demonstrated expertise in complex credit portfolios.
• Strong understanding of credit risk principles, financial analysis, and underwriting standards.
• Proficiency with nCino, Microsoft Office, and Salesforce/Elevate.
• Familiarity with banking products, lending structures, and regulatory requirements.
• Ability to build trust and credibility through Face to Face (in person) meetings and consultative interactions.
• Strong negotiation, presentation, and communication skills.
• Critical thinking to evaluate risk/reward scenarios.
• Data-driven decision-making and problem-solving analysis.
• Effective partnership with Relationship Managers and internal stakeholders.
• Mentoring junior credit analysts and supporting team development.
• Bal…