SUMMARY:

Working under direct supervision, the Commercial Portfolio Manager is responsible for managing assigned portfolio(s) and providing support to Commercial group leader(s), Regional Credit Officer and Relationship Manager team (RM’s) in the areas of credit underwriting, portfolio management, compliance, and monitoring of new and existing loans and customer relationships within the portfolio.

BASIC QUALIFICATIONS:

• Bachelor’s Degree/Four-year college degree in Finance/Accounting/Economics or equivalent work experience.
• 1-3 years of relevant commercial/middle market credit analysis experience or underwriting experience.

PREFERRED QUALIFICATIONS:

• Understanding and utilization of credit skills for credit decision making, monitoring, and managing of a credit through repayment.
• Strong analytical ability and an understanding of the analysis of commercial financials.
• Knowledge of the state and federal laws and compliance regulations for commercial loans.
• Ability to work under critical time constraints. Strong time management and organizational skills and the ability to perform highly detailed and accurate work on multiple, concurrent tasks.
• A high level of verbal and written communication skills to effectively convey credit worthiness and recommendations.
• Thorough knowledge of various software programs including Word and Excel, and the ability to quickly learn additional systems/software.
• Strong customer service orientation.
• MBA in Finance or Accounting
  Exempt Status: (Yes = not eligible for overtime pay) (No = eligible for overtime pay)
  Yes

• Manage a portfolio of commercial loans and customers in partnership with the assigned relationship manager, group leader, Regional Credit Officer and other stakeholders.
• Service, deepen, and retain assigned profitable customer relationships by proactively evaluating and mitigating associated business risks and opportunities.
• Optimize customer relationships working directly with Relationship Managers to grow fees, deposits, and portfolio revenue.
• Own primary responsibility for the credit quality and monitoring of Commercial portfolio risks.
• Responsible for risk rating new credits and ongoing updating of risk grades in assigned portfolio.
• Responsible for underwriting quality, portfolio administration, and ongoing credit quality of assigned portfolio.
• Participate in presenting proposed credit actions in written analysis document and as necessary, verbally to Senior Loan Committee.
• Conduct portfolio reviews with management and analyze existing portfolio to identify trends and opportunities.
• Performs other duties as assigned.