Commercial Portfolio Manager

Commercial Portfolio Manager

BayFirst National Bank is a full-service community bank dedicated to providing a wide range of high-quality banking services delivered in a personalized, friendly manner. Founded in 1999 and headquartered in St. Petersburg, Florida, we are a true community bank with the goal of becoming a one-stop shop and trusted financial resource for the communities that we serve.

Understanding that our employees are our most valuable resource, we are committed to providing career development opportunities, competitive compensation, and generous benefits to our entire workforce. As an organization, we encourage open communication in an environment of mutual respect, where hard work is rewarded, and a professional but informal atmosphere is valued within the workplace.

Position Overview

The Commercial Portfolio Manager is responsible for the management of a portfolio of commercial loans. This position is expected to build trusted, competent, and positive working relationships with each client in their portfolio, while also supporting the growth and performance of the Bank's commercial lending platform.

Essential Duties and Responsibilities

• Support the portfolio of commercial loan officers by monitoring existing loan portfolios to ensure they are performing adequately.
• Serve as the first line of defense for loans that exhibit deteriorating credit quality; escalate to special assets as appropriate.
• Process loan servicing requests in accordance with Bank policy and regulatory requirements.
• Effectively communicate with internal business partners (loan operations, credit services, credit review, audit, treasury services, etc.) throughout the underwriting and portfolio management process.
• Perform annual reviews on assigned commercial loans as required. Proactively meet with clients during these reviews to assess current needs, identify future opportunities, and make recommendations that support their business objectives.
• In addition to annual reviews and ongoing portfolio management, the PM will collaborate with calling officers and branch staff to conduct regular outbound calling initiatives, proactively engaging clients to strengthen relationships and provide continuous support that enhances the overall client experience.
• Prepare delinquent loan status reports and deferment requests as needed.
• Review and process new loan opportunities that arise from existing portfolio clients. Manage these requests through the commercial underwriting process, including initial structuring, financial analysis, preparation of credit memoranda, and coordination with credit and underwriting teams.
• Miscellaneous duties as assigned.

Qualifications

• Bachelor's degree or equivalent experience required.
• Minimum of 2 years' experience in credit analysis/portfolio management in a commercial lending environment.
• Strong understanding of the underwriting process for commercial loans.
• Excellent verbal and written communication skills.
• Ability to exercise independent judgment on client relationship credit analysis and take appropriate action.
• Solid understanding of banking services and financial products.
• Strong analytical and financial analysis skills.
• Excellent interpersonal skills with the ability to build strong client and internal relationships.
• Customer service focus with the ability to represent the Bank's interests while maintaining client satisfaction.
• Self-motivated individual with a positive, can-do attitude.
• Ability to work both independently and collaboratively within a team.
• Strong time management and multi-tasking skills.
• Demonstrated ability to perform in a fast-paced, high-volume environment.
• Strong negotiation and persuasion skills.
• Ability to adapt to change and evolving priorities.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.