SummaryThe Commercial Portfolio Manager Team Lead will manage a portfolio of commercial banking relationships while leading and developing a team of Commercial Portfolio Managers. This individual is not required to source new business opportunities, but rather will partner with both Commercial Bankers and Relationship Managers to convert commercial loan opportunities and deliver outstanding solutions to our clients. The ideal candidate must react with high urgency to daily activity and be comfortable incorporating new and effective ways to achieve better results by adapting to evolving technology solutions.
ResponsibilitiesPortfolio Management
- Manage a portfolio of commercial banking clients, ensuring strong credit quality and adherence to underwriting standards.
- Partner closely with Commercial Bankers and Relationship Managers and clients to understand their needs, structure financing solutions, and manage loan renewals.
- Drive an exceptional client experience by ensuring responsiveness, proactive communication, and high-quality lending solutions.
- Perform in-depth financial analysis, risk assessment, and credit structuring for complex commercial lending relationships.
- Monitor portfolio performance, identify early warning signs of credit deterioration, and implement proactive risk mitigation strategies.
- Conduct monthly, quarterly, and/or annual reviews of loan covenants and financial data for all loans within assigned portfolio.
- Provide an ongoing review of credit quality, changes in risk, compliance with loan covenants and compliance with the bank's credit policy.
- Proactively manage credit risk and exposure for assigned portfolio, monitor collateral, initiate changes in risk ratings and manage any modifications of loan terms or covenants.
- Integrate and reconcile data from multiple systems to produce accurate portfolio reporting.
Team Management
- Lead and mentor a team of Commercial Portfolio Managers, providing guidance on credit analysis, risk assessment, and portfolio management best practices.
- Develop, maintain, and enhance portfolio level dashboards to monitor risk ratings, covenant compliance, and pipeline activity.
- Drive process improvement through automation and integration of portfolio data across systems.
- Set performance goals, conduct regular coaching sessions, and provide constructive feedback to drive professional growth.
- Develop and implement training programs to enhance team capabilities and ensure consistency in credit underwriting and risk monitoring.
- Foster a culture of collaboration, accountability, and continuous improvement within the team.
- Partner with senior leadership to enhance portfolio management processes, risk frameworks, and client service standards.
- Foster a collaborative relationship between Portfolio Managers and the Commercial Loan Administration team to generate loan documents and closing packages.
Minimum Qualifications- 10-12+ years of credit portfolio management experience, including (a) being able to take the lead on proposing appropriate terms and financial covenants based on identified key risks, and (b) underwriting a broad range of C&I transactions in various industries.
- 3-5+ years prior leadership or mentorship experience, with a passion for coaching and developing talent.
- Bachelor's degree in Finance or Accounting strongly preferred; MBA, CPA or CFA strongly preferred.
- Strong working knowledge of financial statements and accounting standards required.
- Robust experience with credit policies, with competition of a formal commercial credit training program.
- Experience with projecting financial performance and using discounted cash flow analysis to determine enterprise value is preferred.
- Must be comfortable working with complex computer operating systems (nCino experience a plus).
- Advanced proficiency in Excel, including complex formulas and data modeling.
- Strong organizational time management skills, problem solving skills, and the ability to quickly grasp concepts and processes with limited guidance from management.
- Must be able to work in a team environment with the ability to interact well, and in a positive manner, with co-workers, external clients, and management.
Page Break 
