Portfolio Manager

Position Summary

Working under the direct supervision of the Chief Lending Officer, the Portfolio Manager is a supporting member of the Commercial Lending Team, i.e., Commercial Lender (RM), Business Development Officer (BDO), market leadership, etc. Adhering to the guidance of bank’s policy and standards, this position’s primary responsibilities include prescreening commercial credit opportunities and analysis and portfolio management of a diverse portfolio of lending relationships, including assessing the creditworthiness of borrowers, monitoring loan performance, and identifying opportunities for portfolio growth or risk mitigation.

• Perform due diligence, prescreening credit analysis, underwriting, and supporting the 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.
• 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, treasury services, etc., engaging them as appropriate throughout the underwriting and portfolio management process.
• Perform reviews and form opinions on third‑party prepared due‑diligence documents (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.
• Participate with RMs and BDOs in client/prospect calls to gain a thorough understanding of the client/prospect and their business.

• Partner with the RM and BDO in preparing the due diligence and analysis required for the preparation of an opportunity memo for new‑to‑bank client relationships.
• Act as a point of contact for the client or liaison to the Credit Team and other business partners as appropriate.
• Participate with the RM or BDO in discussions and presentation of credit requests to local market leadership and credit officers.
• Assist with client servicing, collecting borrower and guarantor financials, transaction information, monitoring loan maturities and past‑due loans.
• Review borrowing base certificates, verification of liquidity and other periodic documentation in accordance with applicable loan agreement monitoring.
• Periodically review the borrower’s electronic file depository to assess for the completeness of files and that documents are accurately filed.
• Monitor client operating performance against original underwriting and projections upon receipt of required reporting information.
• Conduct due diligence and industry and market analysis to evaluate client and guarantor credit capacity and quality.
• Monitor and resolve document exceptions that may arise, including loan coding, collateral and critical documentation exceptions; participate in loan agreement exception tracking calls as required.
• Respond timely to credit review inquiries and provide any missing documentation.
• Develop advanced underwriting skills and analytical techniques through interactions with the manager, credit officers and other senior associates.
• Safeguard all client information in adherence to bank guidelines, including personal client data, account data and other sensitive information.
• Support and assist other team members if workload dictates.
• Participate in special projects as lead or contributor.
• Exchange ideas and opinions and express concerns openly.
• Maintain a working knowledge of bank policies and procedures regarding applicable federal, state, and local banking and industry‑related laws and regulations (Anti‑Money Laundering, Gramm‑Leach‑Bliley, OFAC, CRA, Fair Lending, Bank Secrecy Act, etc.).
• Ensure timely completion of all annually required bank…