Sr. Commercial Portfolio Manager

Position Summary

The Senior Commercial Portfolio Manager will manage a portfolio of commercial credits and partner closely with Commercial Bankers to deliver outstanding solutions to our clients. This individual i s not required to source new business opportunities , but rather will focus on converting commercial loan opportunities generated by Bankers and will support the teams in client meetings.

Responsibilities

• Partner with Commercial Bankers on new deals in the pipeline as well as existing loans that mature, structuring commercial credits based upon bank guidelines and client needs.
• Manage loans through to the approval processes, continuously interacting with prospective and existing clients while owning the underwriting process on each specific loan.
• Work with the Credit Analysts to review spreads and complete credit presentations.
• Partner with the Commercial Loan Administration team to generate loan documents and closing packages.
• Maintain a strong understanding of cash flow analysis, collateral evaluation, and financial analysis.
• Identify risks in proposed new transactions, introducing controls to mitigate risks.
• Ensure the quality, integrity, and soundness of all analysis, underwriting, client satisfaction and credit approval process for assigned portfolio.
• Conduct monthly, quarterly, and / or annual reviews of loan covenants and financial data for all loans within assigned portfolio.
• Continuously monitor portfolio and visits clients to understand client's business performance, identifying early warning signs of changes in risk and credit quality.
• Prepare detailed annual reviews of existing credits as designated.
• 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.
• Ensure a clean and strong portfolio, working directly with clients to obtain most recent financial documentation.

Minimum Qualifications