Commercial Portfolio Manager

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Under the direction of the Commercial Portfolio Manager Team Leader the Commercial Portfolio Manager I partners with designated Commercial Banking Officers and Directors of Commercial Banking to successfully manage and maintain commercial loan relationships. The Portfolio Manager I applies their underwriting skills to ensure adherence to loan policy, financial analysis, risk evaluation and continued portfolio maintenance activities for an assigned portfolio of commercial loan customers.

• Monitor the performance of existing commercial customers within an assigned portfolio to ensure compliance with covenants, financial condition and risk rating.
• Discuss any perceived weakness or potential credit problems with the Banking Officer, Director of Commercial Banking and/or other appropriate parties.
• Independently request and follows up in a timely manner the borrowers’ submission of financial information on a monthly, quarterly or annual basis as it applies.
• Analyze work to conform to regulatory guidelines and Bank policies.
• Ensure compliance with applicable regulations including, but not limited to, Reg B and HMDA.
• Assist the Commercial Banking Officers with more advanced transactions including preparing loan requests for the underwriting process.
• Assist commercial banking officers with preparation for loan closings by reviewing loan documentation.
• Prepare term sheets and commitment letters in accordance with the approval document.
• Assist with any renewals or modifications to existing loans within the assigned portfolio.
• Work directly with customers and Commercial Banking Officers on construction disbursement requests ensuring required documentation is obtained.
• Perform routine, thorough annual reviews of relationships in an assigned loan portfolio to ensure accurate risk grades and data integrity at all times.
• Perform site inspections as required.
• Train new team members as needed.

• 1-2 years of commercial underwriting experience with the capacity to evaluate strengths and weaknesses of a wide variety of credit facilities
• Knowledge of commercial banking products including but not limited to construction lending, asset based lines of credit and letters of credit

• Extensive knowledge of commercial lending policy including all applicable regulations and laws
• 3 + years of commercial banking experience
• Bachelor’s degree (B.A.) from a four year college or university

• Ability to think critically and approach challenges and issues with a problem solving mindset
• Strong collaboration skills to effectively work with groups or individuals across the organization to effectively manage commercial relationships
• Perform functions of the role with minimal oversight and minimal supervisory intervention
• Ability to work independently…