Portfolio Manager IV

About The Role

Mountain West Bank is seeking a Portfolio Manager IV in our beautiful Boise, Idaho, location. The Portfolio Manager plays a critical role in the ongoing success, risk management, and performance of the commercial loan portfolio. This position is responsible for overseeing and coordinating the day-to-day portfolio management activities for existing commercial relationships, ensuring strong credit quality, proactive risk monitoring, and timely execution of renewals and reviews.

Serving as a key partner to the Commercial Manager and lending team, the Portfolio Manager acts as the central point of coordination for portfolio-related processes, underwriting, reporting, and credit monitoring. This role ensures the existing portfolio is actively managed, compliant, and positioned for long-term success. The Portfolio Manager will provide leadership around credit execution and portfolio discipline. Consistant and predictable attendance are an essential function of this position. This is a supervisory role and the position reports to the Commercial Loan Manager.

This position supports Mountain West Bank's mission to deliver exceptional customer experiences. This role offers comprehensive training, competitive benefits and growth opportunities, as well as the opportunity to make a difference with every customer interaction. This position is designed for individuals who embody a customer-first mindset with genuine enthusiasm. We are seeking applicants who demonstrate clear communication, provide top-notch customer service skills and have impeccable manners. This is a full-time 40 hour per week hourly position. Rate of pay depends on experience.

DUTIES AND RESPONSIBILITIES:

• Upholds and promotes the core beliefs, core values, and customer service standards that define the Mountain West Bank culture.
• Serves as a key internal partner to the Commercial Manager and Relationship Managers in managing existing relationships.
• Serves as a central point of accountability for ensuring portfolio-related deliverables are completed accurately and on schedule.
• Manages covenant tracking and reporting to ensure timely monitoring, follow-up, and escalation of exceptions.
• Maintains ownership of the annual loan review process, ensuring all reviews are scheduled, prepared, and completed accurately and on time through effective coordination with Relationship Managers and Credit Administration.
• Maintains a forward-looking view of portfolio risks, approaching reviews and renewals proactively rather than reactively.
• Identifies emerging risks, negative trends, and structural weaknesses, and partner with lenders to recommend solutions.
• Provides well-reasoned recommendations regarding credit risk, loan structure, and ongoing account strategy.
• Maintains accurate and up-to-date reports for criticized or graded credits, including Problem Loan Reports as applicable.
• Demonstrates strong working knowledge of loan policy and ensure adherence throughout underwriting and portfolio management.
• Partners closely with Credit Administration to support audits, exams, and internal reviews.
• Performs related duties as assigned.
• Complies with Bank policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.

About You

POSITION REQUIREMENT/QUALIFICATIONS:

• Bachelor's degree in finance or related field or a combination of related experience.
• Minimum of 8 years of experience in commercial lending, banking, finance or related experience.
• Proficiency in credit analysis and portfolio management
• Ability to make firm and well-reasoned credit recommendations
• Proficiency with Microsoft applications (Word, Excel, Outlook)
• Exceptional project management skills
• Impeccable communication skills
• Ability to maintain strict confidentiality
• Strong organizational skills with exceptional attention to detail
• A commitment to community involvement

PREFERRED KNOWLEDGE, SKILLS, ABILITIES:

• Jack Henry
• Proficiency in nCino
• Previous leadership experience
• Knowledge of local market conditions

WORK ENVIRONMENT: Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise level.

PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms.

Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance. Must be capable of climbing / descending stairs in an emergency situation.

Specific lifting abilities required by this job include: Sedentary work. Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time. Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met.

Specific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.

What We Offer

COMPENSATION & BENEFITS: Starting salary is dependent upon relevant experience and may vary based on the geographic location of the position. We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance. Coverage is available to employees and their eligible dependents in accordance with our written plan documents. You may also be eligible for a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a retirement savings plan, including 401(k) and Profit-Sharing plans, short and long-term disability benefits, education and training benefits, and discounts on banking products and services. We also offer a generous Paid Time Off (PTO) plan and paid holidays. PTO accruals begin at .0745 per hour worked for our part time employees up to a maximum accrual of 240 hours per year for certain Full-Time employees. PTO accruals are dependent on position, status (Full time or Part time), and years of experience in accordance with our PTO policy. Most Full-Time employees are also offered 6 paid holidays and Part Time employees are offered pro-rated paid holidays. In addition, employees in Utah and Nevada may be eligible for pay for certain state recognized holidays. Visit our website for more details. Check it out!