AVP - Commercial Portfolio Manager

Welcome to PeoplesBank! We are the largest mutually chartered bank in Western Mass and Northern Connecticut, we are proud to lead the way in green values, sustainable energy financing, and charitable giving. Our commitment to operating in the best interest of our customers is matched by our dedication to fostering an inclusive and engaging work environment. We offer excellent compensation, workplace flexibility, and a competitive benefits package to our associates. Our award-winning culture has earned us recognition as the Best Place to Work and Best Local Bank . Join our team of dedicated and innovative individuals and be a part of our dynamic, successful organization. Let's make a difference together!

Summary :

At PeoplesBank the AVP Commercial Portfolio Manager plays a key role in supporting our commercial lending team by managing assigned portfolios and performing in-depth financial analysis to ensure sound credit decisions. This position partners closely with lenders to structure loans, maintain compliance, and deliver exceptional client service. Responsibilities include portfolio administration, credit analysis, site inspections, and assisting with loan closings, while also mentoring junior team members and identifying cross-selling opportunities. Ideal candidates bring strong analytical skills, commercial credit experience, and the ability to work collaboratively in a fast-paced environment.

Essential Duties and Responsibilities :

• Manage and analyze assigned commercial loan portfolios, including credit analysis, product enhancements, and portfolio administration.
• Conduct periodic site inspections to ensure compliance with loan agreements and terms.
• Support lenders by preparing documentation, providing technical guidance, and assisting with client or prospect relationships.
• Ensure quality and consistency in underwriting and credit activities, meeting or exceeding performance standards.
• Collaborate with Credit and Lending teams to resolve audit or examiner exceptions.
• Mentor and train Credit Analysts and Portfolio Managers to maintain accuracy and efficiency in credit analysis.
• Perform market or segment portfolio analysis as directed by senior leadership.
• Serve as a resource for business lines and assist senior management with project timelines and expectations.
• Provide backup support for lenders, addressing customer inquiries and ensuring a positive client experience.
• Participate in credit process early in client relationships, including call preparation and deal summary creation for leadership review.
• Attend loan closings, review legal documentation, and assist with closing comments for files.
• Monitor delinquency and overdrafts, initiate collection efforts, and participate in meetings to manage distressed accounts.
• Prepare quarterly watched asset reports as needed.
• Identify cross-selling and referral opportunities to support business growth.
• Develop expertise in designated industry segments and serve as a resource for Commercial and Credit teams.
• Engage in community and philanthropic activities to enhance the bank's visibility.
• Other related duties as assigned.

Education and Experience :

Skills Required :

Computer / Technical Skills :

Work Environment and Physical Demands :

The working conditions and physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the associate is regularly required to sit, use hands to sort, write and keyboard, and to listen and speak. The associate is frequently required to reach, walk, stoop, crouch. The associate is occasionally required to stand, lift, bend, drive and travel.