Senior Commercial Portfolio Manager

Description Department: Commercial Banking Reports to: Director of Commercial Portfolio Management FLSA: Exempt Last Modified: 1.22.25 Job Summary: The Senior Commercial Portfolio Manager supports assigned Commercial Banking Officers by focusing on areas related to credit administration and portfolio management. This individual will assist Commercial Banking Officers to manage growth, risk and profitability of a commercial loan portfolio by focusing on areas related to credit administration including, but not limited to, credit analysis, drafting of term sheets and commitment letters, closing loans, completion of annual reviews, generating files memos, and conducting property inspections.

This individual must have the ability to work independently to manage commercial and real estate transactions/relationships, but also work closely with the Commercial Banking Officer and customers in the assigned portfolio to effectively and efficiently gather all information needed for the ongoing monitoring and maintenance of the assigned portfolio and do so in a manner that leverages technology to achieve operational efficiencies.

All Senior Commercial Portfolio Manager activities must be consistent with the Bank’s policies and procedures, including underwriting, commitment and closing.

Essential Functions

Assists in the management of existing commercial relationships by monitoring for risk within the assigned portfolio. Assesses credit quality through the coordinated collection of financial statements, management of matured loans, renewal of existing lines of credit, annual reviews, criticized asset reports and loan covenant testing.

Responsible for the ongoing maintenance of the loan tickler system and ensures loan and relationship accuracy across all Bank software to include but not limited to the maintenance of loan risk ratings, annual review coding and reduced credit administration coding. Meets with assigned Commercial Banking Officers on a regular basis to coordinate the completion of current and upcoming tasks in a timely and efficient manner.

Analyzes the business credit applicant’s management capacity, financial condition, ability to repay, collateral support and business and industry position and environment to make sound credit decisions in conjunction with the assigned Commercial Banking Officer, consistent with Bank policies and procedures. Prepares loan presentations as needed for Commercial Banking Officer approval, management loan committee and the Board of Directors as required under the Bank’s loan policy, including loan pricing, structure and recommendation of terms.

Drafts commitment letters for approved loans. Has a good understanding of financial products and services and identifies opportunities for additional Bank services to existing relationships. Assists in review of construction loan advances and line of credit advances, conducts property inspections. Follows up on renewals and assists in the collection of loans.

Conducts property inspections, orders appraisals and prepares internal real estate evaluations in accordance with Bank policy and procedures. Acts as a point of contact for customers within the assigned portfolio. Coordinates customer calls with the Commercial Banking Officer and attends customer calls on an as requested basis.

Actively participates in community organizations and events in the communities that the Bank serves and actively participates in related business development activities. Performs other duties as assigned. Education, Skills, and Experience Required: Bachelor’s degree and 5+ years of experience in bank secrecy, operations or a similar field; or an equivalent combination of education and experience.

General familiarity with a banking or similar environment involving multiple sites secured by alarm systems is preferred. The ability to work independently is required, as is the ability to prioritize multiple, competing demands and projects. Strong internal and external customer focus. Physical Requirements and Working Conditions: Must be able to spend extended periods of time operating a computer keyboard and working at a computer monitor.

Moderate physical activity required, including lifting, carrying, and moving boxes, cartons, packages, and/or equipment weighing up to sixty (60) pounds Physical surroundings are generally pleasant and comfortable. The budgeted salary range for this position is $89,000.00-$106,700.00 final compensation will be based on the candidates qualifications experience skills internal equity and business needs.