Commercial Portfolio Manager

The Commercial Portfolio Manager provides strategic support to the East Region Commercial & Industrial Banking team. This role focuses on managing portfolio risk, supporting credit analysis, and assisting with special projects to ensure strong client relationships and sound credit practices.

 

Responsibilities

 

Portfolio & Client Management:

• Partner with commercial banking leadership and designated bankers to manage existing client relationships and evaluate potential new clients.
• Assist with onboarding customers, ensuring a smooth process through coordination with internal teams (Loan Coordinator, Treasury Management, Credit, etc.).
• Monitor booked credit facilities, including interim financial reviews, borrowing base reviews, covenant compliance testing, annual reviews, and problem loan administration.

Credit Analysis & Risk Management:

• Analyze financial statements and prepare credit proposals for existing and prospective clients.
• Review loan committee presentations, annual credit reviews, and problem loan summaries.
• Maintain reporting infrastructure and develop portfolio trend reports to monitor risk and industry guidance.
• Administer nonperforming loans and support risk mitigation strategies.

Bell Bank Culture, Policy and Accountability Standards:

• Know by name and face as many customers and employees as possible, calling them by name as often as possible.
• Know and practice LOCBUTN, our Golden Rules, and Bell Bank Customer Service Standards.
• Know, understand, and live the company values and bottom line.
• Conduct activities consistent with established Bell Bank policies, procedures and systems, the Bell Bank Employee Conduct policies, the Bank Secrecy Act and all applicable state and federal laws and regulations.
• All employees are responsible for information security, including compliance with policies and standards which protect sensitive information.
• Prompt and reliable attendance.
• Perform other duties as assigned.

Education, Experience, and Other Expectations:

• Bachelor’s degree in accounting, finance, business administration, or a related field; or equivalent experience required.
• Three or more years of experience in commercial credit, commercial lending, or financial examination.
• Basic understanding of loan documentation and regulatory compliance requirements.
• Experience in risk assessment.

Skills and Knowledge:

• Proficient credit analysis and financial modeling skills.
• Good written and verbal communication abilities.
• Ability to manage multiple priorities and deadlines effectively.
• Basic knowledge of commercial lending guidelines and industry best practices.
• Ability to provide credit structure guidance for simple loan transactions and review internally prepared loan documentation for accuracy.
• High level of attention to detail and accuracy.
• Commitment to customer service excellence and relationship building.
• Desire to expand lending knowledge through external training as well as on-the-job training with more tenured portfolio managers.