Senior Commercial Portfolio Manager

## Senior Commercial Portfolio Manager Apply locations:
Atlanta time type:
Full time posted on:
Posted 4 Days Agojob requisition :
R-101658

If you would enjoy working in a dynamic environment and are looking for an opportunity to become part of a stellar team of professionals dedicated to service, we invite you to apply online today.

This position offers a flexible hybrid work arrangement, allowing employees to balance in-office collaboration with the benefits of remote work. We provide the necessary tools and technology to ensure seamless productivity, whether you're working from home or the office.

SUMMARY:

Serve as portfolio management officer for an assigned commercial banking portfolio, providing ongoing post-origination credit surveillance, risk identification, and portfolio reporting throughout the life of the relationship. This role is distinct from underwriting and operates within the portfolio management framework established by the Director, Commercial Portfolio Management. The position is responsible for proactive monitoring of borrower performance, covenant compliance, risk rating integrity, watchlist administration, annual review coordination, concentration monitoring, and effective partnership with Lending, Credit, and Special Assets to support strong enterprise credit governance and disciplined portfolio management.
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* ESSENTIAL DUTIES AND RESPONSIBILITIES:

*** Oversee ongoing financial performance monitoring for an assigned commercial banking and commercial real estate loan portfolio, including commercial real estate, commercial and industrial, construction, acquisition, income-producing real estate, owner-occupied real estate, and revolving credit relationships, through analysis of borrower financial statements, operating trends, cash flow performance, collateral performance, guarantor support, and refinancing capacity.
* Track covenant compliance, borrowing base requirements, financial reporting requirements, exceptions, maturities, documentation issues, and other post-closing credit requirements; follow up directly with relationship partners and borrowers as needed to resolve deficiencies, document action plans, and ensure timely escalation when concerns emerge.
* Maintain accurate and timely risk ratings for assigned relationships by identifying material changes in borrower performance, collateral quality, guarantor strength, market conditions, or other risk factors, and recommend rating migration, watchlist action, or other credit actions when warranted.
* Administer watchlist relationships and support early problem loan identification by recognizing adverse trends such as declining cash flow, covenant erosion, tenant instability, refinancing pressure, collateral weakness, sponsor deterioration, or other emerging concerns before delinquency occurs.
* Coordinate and complete annual reviews, periodic portfolio reviews, renewals, modifications, and recurring credit surveillance activities in accordance with policy, regulatory expectations, portfolio risk characteristics, and portfolio management procedures established for the department.
* Prepare portfolio surveillance reporting, exception reporting, risk migration reporting, concentration reporting, and other portfolio intelligence used for management, senior credit leadership, committees, and other stakeholders to evaluate portfolio risk and support enterprise credit governance.
* Monitor portfolio concentrations by industry, property type, geography, sponsor, risk grade, and other relevant segmentation factors to identify emerging trends, evaluate portfolio risk, and support management reporting.
* Partner closely with Lending, Underwriting, Credit Administration, Loan Operations, and Special Assets to ensure coordinated management of borrower relationships, consistent portfolio discipline, timely communication of borrower-level risk matters, and appropriate risk mitigation strategies.
* Support internal audit, loan review, examiner, and regulatory requests by providing accurate portfolio data, credit file support, exception detail, and evidence of ongoing monitoring and risk management activities.
* Maintain complete and accurate portfolio documentation, tracking systems, monitoring records, and credit memoranda suitable for internal approval, audit, and regulatory review in accordance with policy and procedure.
* Maintain a thorough knowledge of commercial banking and commercial real estate portfolio management practices, internal credit policy, regulatory expectations, and applicable compliance requirements.
* Perform other duties as may be assigned.
** EDUCATIONAL AND WORK EXPERIENCE REQUIREMENTS:
*** Bachelor’s degree from an accredited university in finance, accounting, business, real estate, economics, or a related field.
* 5+ years of progressive experience in commercial banking or commercial real estate credit, with meaningful responsibility for post-origination portfolio management, credit risk monitoring, annual reviews, covenant compliance, or…