Portfolio Manager

Position Summary

The Portfolio Manager (PM) supports Relationship Manager (RM) sales efforts through the growth, development and effective management of loan portfolios, ensuring positive performance. Under the supervision of the Group Portfolio Manager or Market Leadership, the PM assesses risk by evaluating, designing, and overseeing aspects of portfolio construction, and assists in driving profitability by performing financial and credit analysis while contributing to client relationships with the RM.

• Review documents for pre- and post-closing, including submission of pre-requisite and recurring credit source documentation to the bank’s imaging system.
• Prepare, review, and monitor reports to ensure First Bank guidelines for compliance and credit monitoring are met.
• Analyze credit requests and perform financial statement analysis using the bank’s standardized analysis tools.
• Monitor reports analyzing loan commitments and outstanding balances by customer, loan type, property type, location, size, etc.
• Partner with market leadership, Regional Presidents and Regional Credit Officers to promote client portfolio growth and maintain strong asset quality.
• Monitor past due information and future maturities, alerting RMs as needed.
• Perform analysis of key financial metrics for input in commercial loan risk rating matrices to ensure accurate stratification of the bank’s commercial loan grading portfolio.
• Demonstrate an understanding of financial spreads, modeling, and monitoring.
• Research to maintain current knowledge of industry trends, economic trends and regulatory impacts on borrowers that may affect the ability to repay a loan in their respective portfolio.
• Assist in the preparation of pitch books for prospective clients.
• Participate in or independently execute the sales process as part of a well-functioning team with the RM and/or RM Associate.
• Attend meetings and represent the PM and/or RM teams as needed.
• Act as a secondary point of contact for commercial clients within the RM team.
• Provide consistent, distinctive service to all clients when delivering the First Bank service experience.
• Practice safe and sound bank procedures, including adherence to applicable laws and regulations, internal controls, operational procedures, risk management policies, and security protocols.
• Provide independent analysis of credit requests and challenge loan approval and grading using credit policy.
• Ensure source documentation and credit analysis are accurate and timely.
• Possess a sound knowledge of credit policy and its application to credit requests.
• Maintain regular and reliable attendance.
• Perform other duties as assigned.

• Bachelor’s degree in finance or a similar field (preferred).
• Experience in banking, specifically loan operations, lending, or credit.

• Strong verbal and written communication skills; effective in one-on-one and team environments.
• Ability to allocate time effectively and independently to prioritize timelines.
• Strong personal organizational and time management skills.
• Demonstrated ethical behavior and confidentiality, maintaining integrity with sensitive information.
• Understanding and compliance with bank policy, laws, and regulations applicable to job duties, including completion of compliance training and adherence to internal procedures.
• Ability to report known violations of compliance policy, laws, or regulations, and to report suspicious customer or account activity.

First Bank does not accept unsolicited resumes from agencies and staffing firms. Recruitment agencies may not submit resumes directly to managers. First Bank will not pay fees to any third-party agency or company that does not have a signed agreement as an approved vendor. First Bank is an Equal Opportunity Employer, including disability.

Mid-Senior level

Full-time

Finance and Sales