Commercial Portfolio Manager

Position Summary

The Commercial Portfolio Manager is a key member of the commercial lending team, responsible for managing a diverse portfolio of commercial credit relationships in collaboration with the lending teams. This includes Commercial Real Estate (CRE), Commercial & Industrial (C&I), construction, and unsecured loans. The role combines credit risk management, client relationship development, and strategic portfolio oversight, requiring close collaboration with Loan Officers, Credit Analysts, and Loan Assistants to ensure sound underwriting, compliance, and client satisfaction.

Relationships and activities are conducted in accordance with bank policies, the corporate code of conduct, the Bank Secrecy Act, and all applicable State and Federal laws and regulations.

• Manage a portfolio of commercial borrowing relationships.
• Underwrite new and renewed credit facilities, including market analysis, financial analysis, risk assessment, and structuring.
• Define borrowers and guarantors, loan structure, credit terms, and financial covenants.
• Perform risk rating analysis and document credit decisions and modifications.
• Monitor ongoing financial performance, covenant compliance, and collateral adequacy.
• Partner with Commercial Loan Officers to form a “deal team” and participate in periodic customer calls to establish strong working relationships with clients.
• Identify client needs and provide tailored banking solutions.
• Communicate directly with clients regarding credit events and actions.
• Assist in closing commercial loan business and expanding existing relationships as needed.
• Ensure compliance with bank policies, procedures, and all applicable laws and regulations.
• Review and assist with loan documentation and booking processes.
• Collaborate with Lending teams regarding past dues, documentation exceptions, and financial analysis updates.
• Support the resolution of problem assets in collaboration with lending and credit teams.
• Collaborate with Lending Teams, Credit Teams and Loan Assistants for overall portfolio management and performance.
• Provide input on workflow and process improvements.
• Mentor junior team members and contribute to a collaborative team environment.
• Periodically represent the bank in the community and at industry events.
• Participate in internal training and development programs.
• May be assigned work or training at other locations.
• Perform other duties as assigned.

• Preferred bachelor’s degree or equivalent combination of education, training, and experience.
• At least three years of credit analysis and/or loan review experience.
• Knowledge of bank lending procedures, lending regulations, lien laws, collection/bankruptcy regulations, and loan documentation.
• Ability to analyze financial statements and loan risk.
• Good judgment skills and ability to make decisions within prescribed guidelines.
• Strong customer relations skills and ability to work cooperatively with employees and customers.
• Strong organizational skills and attention to detail.
• Ability to represent the bank in the community.
• Ability to operate office equipment and interpret various instructions.
• Valid driver’s license and acceptable driving record for bank insurance purposes.
• Knowledge of commercial lending and real‑estate field, including appraisals, deeds, and lien recording.
• Research and problem‑solving skills, ability to work independently, handle confidential information and manage multiple tasks.
• Thorough knowledge of bank products and services.
• Ability to identify client needs, present banking solutions and bank products.
• Ability to recognize closing opportunities and retain and grow customer relationships.
• Ability and desire to work as part of a team, and with people of diverse backgrounds.
• Willingness to assume additional responsibilities, duties, and projects as they arise.
• Ability to read, write, and speak English.
• Excellent verbal, listening and communication skills.

• Regularly required to sit, stand, walk, talk, see, and hear.
• Use hands to handle objects, tools, or controls and reach with hands and arms.
• Occasionally required to stoop, kneel, or crouch.
• Frequently lift and/or move up to 20 pounds.
• Specific vision abilities include close vision.
• Regularly required to drive.

Mid‑Senior level

Full‑time

Finance and Sales