Portfolio Manager Senior

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Job Title : Portfolio Manager Senior

Reports to : CEO / President or other designated local Senior Management

Direct Reports : Portfolio Managers, Portfolio Specialists

Salary Grade : 11

SUMMARY

Responsible for managing larger commercial credits. Ensures the portfolio achieves soundness, probability, and growth objectives.

Provides credit, underwriting, and sales support in the Commercial Lending function to maximize portfolio performance. Serves as the secondary contact on client relationships.

EDUCATION AND EXPERIENCE REQUIREMENTS

• Bachelor’s Degree in finance and accounting preferred
• 7-10 years of experience in financial services related to various aspects of commercial lending
• Possess extensive knowledge of credit policy, banking regulations, and loan documentation issues
• Proven ability to spread, analyze, and interpret complex business and personal financial statements and tax returns
• Strong analytical skills in prospecting individual and global relationships, clients, and prospects
• Solid ability to identify strengths and weaknesses of individual requests and make recommendations to address and mitigate perceived risks
• Actively prepare and present credit analysis packages through the credit approval chain
• Possess an extensive knowledge of various loan structures with ability to apply this knowledge to formulate sound credit recommendations
• Excellent verbal and written communication skills; ability to understand and convey complex information clearly and efficiently to varied audiences, including senior executives
• Excellent interpersonal and management skills; develop and maintain cohesive working relationships
• Strong organizational and time management skills, effectively set priorities in a performance-driven environment
• Fully understand and work effectively within the credit culture of the company; ability to promote credit culture within the team
• Advanced proficiency with internal systems and reporting
• Excellent mathematical, reading comprehension, and writing skills
• Participate in all required compliance training, including Bank Secrecy Act / anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars / conferences.

JOB FUNCTIONS

• Works with lenders to manage all aspects of the local loan portfolio including annual reviews, past dues, BBRs, covenant compliance, CARs, collateral exceptions, and other portfolio management tools
• Works in concert with local President, Commercial Lending Division Manager, and Regional Credit Officer to ensure proper risk profile of subject market loan portfolio
• Maintains credit authority as delegated by Regional President
• Directly manages, as both a player and a coach, a market level team of credit specialists, portfolio managers, and analysts
• Triage, manage, and delegate workflow with Portfolio Specialists in preparation of LARs, credit memos, spread, and related documents
• Actively participates and assists in all aspects of the loan process including calling, underwriting, presenting through the credit approval chain, and closing
• Identifies and collects all relevant information required to analyze credit requests
• Prepares commitment letters and reviews loan documents
• Serves as secondary contact on client relationships
• Identifies cross-sell opportunities with new and existing clients; coaches and supports team on developing relational business acumen
• Proactively assists lenders in prospecting efforts, make calls with the lender when necessary

SUPERVISORY RESPONSIBILITY

This position manages employees and is responsible for the coaching, development, and performance management of those employees.

WORK ENVIRONMENT

Location in United Footprint

POSITION TYPE

This is a full-time position that requires schedule flexibility to work evenings and weekends as needed.

TRAVEL

This position requires up to 20% travel.

OTHER

We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity and / or expression, status as a veteran, and basis of disability or any other federal, state or local protected class.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee.

Other duties, responsibilities and activities may change or be assigned at any time with or without notice.

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