Portfolio Manager SBA & Commercial

Role Description

Integro Bank is a mission-driven financial institution committed to supporting the growth of small businesses. We believe that empowering businesses boosts employment, positively impacting individuals and communities.

The Portfolio Manager is responsible for the ongoing credit administration, risk management, monitoring, and performance of a diversified portfolio of commercial and SBA loan relationships. This role supports Relationship Managers, Credit Administration, and Senior Management by ensuring credit quality, identifying emerging risk, and working proactively with borrowers and internal partners to maintain strong asset performance. The position also includes responsibility for managing problem credits and assisting with loan workouts, restructurings, and resolution strategies as needed.

This role requires strong credit analysis skills, sound judgment in risk management, and the ability to balance relationship management with credit discipline in a community banking environment.

• Manage a portfolio of commercial and SBA loans, ensuring ongoing credit quality and compliance with bank policies, regulatory requirements, and sound banking practices.
• Conduct periodic credit reviews and financial analysis of borrowers, including financial statement spreading, covenant tracking, and risk rating assessments.
• Monitor early warning indicators and proactively address credit deterioration.
• Partner with lenders, credit administration, and senior management to recommend actions to mitigate risk.
• Oversee SBA loan servicing requirements, including eligibility compliance, reporting, and secondary market considerations.
• Ensure adherence to SBA SOP guidelines and internal underwriting standards.
• Coordinate with servicing agents, guarantors, and internal teams to resolve SBA-related issues.
• Identify, manage, and resolve problem loans within the Commercial and SBA loan portfolio.
• Develop and execute workout strategies including restructuring, forbearance agreements, collateral liquidation, or exit strategies.
• Work closely with borrowers to assess financial challenges and negotiate viable repayment or resolution plans.
• Prepare Credit Memos, Problem Loan Reports, and recommendations for non-accrual status, charge-offs, or legal action when appropriate.
• Coordinate with legal counsel, appraisal firms, and collection specialists as needed.
• Maintain accurate and timely credit risk ratings in accordance with bank policy.
• Prepare portfolio reports, trend analysis, and risk assessments for senior management and credit committees.
• Ensure compliance with regulatory requirements and internal audit standards.
• Serve as a key liaison between lending, credit, and special assets functions.
• Support relationship managers by providing credit expertise and portfolio insights.
• Participate in loan committee presentations and discussions when required.

• Bachelor’s degree in Finance, Accounting, Business, or related field required; advanced degree or banking certifications preferred.
• 5–10 years of experience in commercial credit, portfolio management, or special assets/workout lending.
• Strong knowledge of commercial and SBA lending structures, underwriting standards, and credit risk principles.
• Experience with loan workouts, restructures, and problem loan resolution strongly preferred.
• Proficiency in financial statement analysis, cash flow modeling, and credit risk grading.
• Excellent analytical, negotiation, and communication skills.
• Ability to manage multiple priorities in a deadline-driven environment.

About Integro Bank:
Our Mission is to “Lift and Transform Lives.” We focus on helping small businesses maximize growth because “Employment lifts people up and transforms lives”.

Our Core Values are:

• Earn and be worthy of Trust:
  Trust is everything. Be authentic, honest, make personal connections and keep your promises.
• Demonstrate an optimistic and positive attitude:
  Our intentions should be upbeat, positive and lift others up. Positivity breeds success.
• Focus on client-centric solutions:
  We listen, understand and WOW our clients.
• We deliver results:
  Own it, be accountable, committed and strive for positive outcomes in everything we do.

Benefits:
Comprehensive benefits package including Health, dental and vision insurance, paid time off, company paid life insurance, short and long-term disability, 401k, and tuition savings program.