Working with minimal supervision, manage assigned portfolio(s) and provide support to Commercial group leader(s), Regional Credit Officer, and Relationship Manager team (RM’s).
Manage moderately complex loan portfolio.
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.
Effectively present proposed credit actions in written analysis document and verbally to Senior Loan Committee as necessary.
Conduct portfolio reviews with senior management and analyze existing portfolio to identify trends and opportunities.
Mentor Credit Analysts and junior Portfolio Managers to develop required competencies and experience.
Perform all other duties assigned.

Four-year college degree in Finance/Accounting/Economics or equivalent work experience
4-7 years of relevant commercial/middle market credit analysis experience or underwriting experience with deals with large exposures and complex loans.
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.
Thorough 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
Formal credit training

Senior Commercial Portfolio Manager

Key skills