Senior Commercial Portfolio Manager

About This Role

The Senior Commercial Portfolio Manager serves as a key member of the client team, working with Commercial Relationship Managers to screen new deals and develop credit solutions. This role primarily involves independently underwriting credit packages and managing a credit portfolio for the largest and most complex client relationships.

Responsibilities

• Underwrite, structure, and complete credit packages for complex borrowing relationships (new money, renewals, annual reviews).
• Proactively manage a portfolio of existing client relationships.
• Review borrowing base and covenant calculation trends; monitor changes in borrower’s industry and operating performance; identify changes in borrower’s credit risk profile.
• Create and analyze balance sheet, income statement, and cash flow projections.
• Ensure all credit risk metrics within the assigned portfolio are managed within acceptable risk tolerance.
• Mentor Commercial Portfolio Managers and Commercial Credit Analysts, providing growth opportunities and building the bank’s credit bench strength.
• Maintain confidentiality and security of sensitive information.

Requirements

• 7+ years of progressive Commercial Credit experience.
• Formal Commercial Credit Training.
• Strong communication, interpersonal, organizational, and time management skills.
• Proficient with Microsoft Office products.

Qualifications

• Bachelor’s degree in Accounting, Finance, or related field.
• 7+ years of progressive Commercial Credit experience.

Skills

* Required skills