Bachelor's degree in Business, Finance, or related field preferred.
5+ years of experience in commercial credit, portfolio management, or underwriting.
Strong background in financial statement analysis and credit administration.
Community banking experience preferred.
Experience with SBA lending preferred.
Responsibilities
Manage a portfolio of commercial loan relationships throughout their lifecycle.
Conduct regular portfolio reviews to ensure compliance with policies and regulations.
Analyze borrower financial performance and monitor credit risk.
Coordinate financial reporting and loan documentation collection.
Identify credit concerns and communicate findings to management.
Assist in preparing loan presentations and approval packages.
Maintain accurate client and portfolio information in processing systems.
Benefits
Professional development opportunities.
Supportive work environment focused on client service.
Access to comprehensive banking solutions for clients.
Commitment to regulatory compliance and risk management.
Full Job Description
Description
SUMMARY:
The Portfolio Manager is responsible for managing and administering a portfolio of commercial banking relationships while providing exceptional client service and ensuring the ongoing quality and profitability of the Bank's loan portfolio. This position serves as a primary point of contact for existing commercial clients and works closely with commercial bankers, credit analysts, operations personnel, and executive management to monitor credit risk, maintain accurate loan documentation, facilitate renewals, and identify opportunities to deepen existing client relationships. The Portfolio Manager focuses on relationship retention, portfolio administration, credit monitoring, and client support.
Manage an assigned portfolio of commercial loan relationships throughout the life cycle of the credit relationship.
Conduct annual, interim, and periodic portfolio reviews to ensure compliance with Bank policy and regulatory requirements.
Monitor borrower financial performance through analysis of financial statements, tax returns, borrowing base certificates, covenant compliance, and other credit information.
Coordinate collection and review of required financial reporting and loan documentation.
Identify emerging credit concerns and communicate findings and recommendations to management.
Work closely with Credit Analysts and banking team to facilitate renewals, modifications, extensions, and other credit requests.
Assist in preparing loan presentations, credit memorandums, and approval packages for management and Loan Committee review.
Ensure loans are administered in accordance with established lending policies, procedures, and regulatory requirements.
Assist with criticized and classified asset management by working with borrowers and management to resolve issues and minimize risk exposure.
Participate in internal and external loan reviews, regulatory examinations, and audit requests.
Maintain accurate client and portfolio information within the Bank's core processing systems.
Client Servicing & Relationship Management - 40%
Serve as a primary relationship contact for existing commercial clients, providing responsive and professional service.
Develop trusted relationships with business owners and key client stakeholders.
Coordinate client requests related to loans, treasury management services, deposit accounts, and other banking products.
Guide clients through loan renewals, modifications, and routine servicing requests.
Collaborate with bankers and internal partners to deliver comprehensive banking solutions to meet client needs.
Maintain regular contact with borrowers to understand operational developments and financial performance.
Address client questions and concerns promptly while maintaining high standards of service and professionalism.
Promote long-term client retention through relationship management and consistent follow-through.
Identify opportunities to strengthen existing client relationships through appropriate Bank products and services; refer opportunities to lending or treasury management personnel when appropriate.
OTHER RESPONSIBILITIES:
Completes banking functions following established Bank policies and legal requirements.
Completes required monthly and/or quarterly reports for management.
Ensures work area is clean, secure, and well maintained.
Maintains and projects the Bank's professional reputation while also maintaining Bank and client confidentiality.
Performs all job functions and interactions with fellow Bank employees, clients, vendors, and prospective clients within the guidelines of the Drake Bank Mission, Vision Core Values: Dedicated, Reliable, Authentic, Knowledgeable, and Ethical.
Performs other duties as assigned.
REGULATORY COMPLIANCE RESPONSIBILITIES:
Continually enhances knowledge of banking regulation, lending compliance requirements and industry best practice.
Completes all required online training compliance and regulatory training.
Performs all job functions in accordance with applicable Federal and State banking regulations, banking policies, and internal controls.
Demonstrates strong commitment to risk management and regulatory compliance.
Requirements
EDUCATION AND EXPERIENCE:
Bachelor's degree in Business, Finance, or a related field, preferred.
Five or more years of commercial credit, portfolio management, underwriting or commercial banking experience
Strong background in financial statement analysis and commercial credit administration.
Community Banking experience, preferred.
Experience with Small Business Administration (SBA) lending is preferred.
Equivalent combination of education and work experience may be considered.
KNOWLEDGE/SKILLS REQUIRED:
Strong knowledge of bank lending and collections programs, policies, and procedures.
Strong knowledge of financial analysis and creditworthiness.
Knowledge of community bank operations, products, and services.
Strong Business Development Skills.
Ability to listen, and speak clearly, and effectively to others.
Superior time management, attention to detail, and organizational skills with the ability to multitask.
Ability to problem solve and work without direction.
Self-starter with a passion for compliance and appreciation for the rules.
Ability to establish and foster strong professional relationships with both employees and external sources such as examiners.
Satisfactory skillset in Microsoft Outlook, Microsoft Word, Microsoft Excel, Microsoft Teams, Microsoft Dynamics 365 CRM, and Fiserv applications.
WORKING CONDITIONS, EQUIPMENT AND TOOLS USED, ENVIRONMENT and COGNITIVE /PHYSICAL DEMANDS:
The environment for this position is a private office that is mostly clean and comfortable. It may include some minor annoyances such as noise, odors, drafts, etc. The individual is in a non-confined office setting in which they are free to move about at will.
Ability to sit and/or stand for extended periods of time in an office setting.
Good organizational and time management skills.
Effective verbal and written communication skills, including use of phone, computer, speaking, listening, and presenting.
Ability to problem-solve, and negotiate acceptable resolutions.
Solid math and analytical skills
Computer literacy
Ability to use hands and fingers to operate a keyboard and other office productivity machinery.
