Portfolio Manager

About The Role

Position provides a vital role in supporting the Commercial Relationship Managers in managing the assigned commercial client portfolio and seeks opportunity to expand the relationship and referral network. Provides support to Relationship Managers by building and maintaining strong relationships with commercial banking clients, meeting with clients, preparing loan documents, analyzing customer financial statements, tax returns, budgets, and other financial data. Performs ratio, industry benchmark, historical, and budget to actual comparative analysis.

Prepares loan reports from which loan decisions are based upon and performs underwriting analysis.

Pay Range: $84,475.92 – $

• Assist the Relationship Managers in building and maintaining strong relationships with commercial banking clients.
• Act as one of the points of contact for clients, addressing their inquiries, requests, and concerns promptly and professionally.
• Proactively monitor monthly, quarterly, and annual requests and receipt of financial statements, tax returns, etc.
• Collaborate with Relationship Managers to identify cross‑selling opportunities and generate leads for additional banking services.

• Provide exceptional customer service to commercial banking clients, ensuring their needs are met efficiently and effectively.
• Work with bank partners to assist clients with various banking transactions, including account openings, loan applications, wire transfers, and cash management services.
• Conduct regular client reviews to assess their financial needs and recommend appropriate banking solutions.
• Assure quality customer service and portray a professional image for the bank by friendly and efficient handling of all customers and by developing and maintaining professional relationships with government agencies (FSA & SBA), insurance agents, title company personnel, state and county auditors and other outside associates.

• Assist in the collection and analysis of financial statements, credit applications, and other relevant documentation for loan underwriting.
• Conduct research and gather data to support the credit analysis process, including reviewing industry trends, financial statements, and collateral valuations.
• Prepare credit memos (Loan Reports) and presentations for internal credit approval processes.

• Monitor commercial loan portfolios to ensure compliance with loan covenants, financial reporting requirements, and timely repayment.
• Assist in the collection of financial information and documentation from clients to support ongoing portfolio monitoring activities.
• Collaborate with the Credit Administration team to ensure accurate and up‑to‑date credit files and documentation.
• Avoid potential loss to the bank by ensuring all installment, commercial and real estate loans are processed within the policies and processes established by the bank.

• Adhere to all applicable banking regulations, policies, and procedures to maintain compliance standards.
• Identify and mitigate potential risks associated with client accounts and transactions.
• Stay updated on industry trends, regulatory changes, and best practices in commercial banking.

• Adhere to Wheatland Bank Core Values.
• Keep management informed of area activities and any significant problems.
• Provide exceptional customer service to all customers, both internal and external.
• Represent Wheatland Bank in a professional fashion to include a professional image, confidentiality, regular and consistent attendance, and punctuality.

• Bachelor's degree in Business, Finance, Economics, or a related field is preferred.
• A minimum of 5 years experience in banking, finance, accounting, or similar field.
• Strong analytical and financial analysis skills, with the ability to review and interpret financial statements and credit information.
• Excellent interpersonal and communication skills to build and maintain client relationships effectively.
• Detail‑oriented and highly organized,…