VP, Portfolio Manager

Overview

Our role involves providing financial, credit, and trend analysis for the bank’s credit products and services to middle‑market and other business clients and prospects.

Responsibilities

• Independently evaluate and structure lower complexity credit requests, including asset‑based lending, term loans, and commercial real‑estate loans.
• Perform independent credit analysis and risk assessment of new and existing credit requests, including preparation of financial statement analyses, third‑party reports, and property appraisals.
• Collaborate with Relationship Managers and Loan Administration to draft loan documents, obtain due diligence information, and monitor covenant compliance.
• Prepare Credit Approval Reports (CAR) for submission to Credit Administration for final decision.
• Review Letters of Interest (LOI) and ensure consistency between loan documents and CAM.
• Make joint customer calls with RM to assess client needs, business, and management team.
• Track and monitor risk ratings for borrowers per bank policies; complete Problem Loan Status Reports (PLSRs).
• Maintain compliance with all applicable regulations, policies and procedures, and complete required training courses on time.
• Follow health and safety standards, report unsafe conditions, and comply with OSHA requirements.
• Complete other duties and projects as assigned.

Qualifications

• Bachelor’s degree in accounting, finance, economics or related field; work experience acceptable.
• Formal credit training and/or Intermediate/Financial Accounting levels 1 and 2; experience in cash‑flow and collateral analysis and loan structuring.
• Working knowledge of state and federal regulations applicable to banking (Regulation Z, Reg. B, FHA, HMDA, RESPA, FCRA, BSA, AML, CIP, etc.).
• Familiarity with the bank’s loan policies and standards.
• Strong computer skills – Microsoft Office (Word, Excel, PowerPoint, Outlook).
• Advanced math skills for interest calculations, ratios, and percentages.
• Excellent organizational, time‑management, written and oral communication skills.
• Ability to make decisions with moderate impact, solve complex problems, and work with minimal supervision.

Benefits

• Financial Security : 401(k) plan with a 100% match on the first 4% of contributions, immediately vested.
• Health & Well‑Being : Comprehensive insurance (medical, dental, vision, AD&D, supplemental life, long‑term disability), Health Savings Account, Flexible Spending Account.
• Family Support : Options for adoption, surrogacy, fertility assistance, paid parental leave, and family care solutions.
• Paid vacation days, holidays, and volunteer time off.
• Career growth: tuition reimbursement, mentorship, leadership development, LinkedIn Learning.

Salary Range

The full‑time base salary range for this position is $101,000–$160,000 per year.

Equal Opportunity Employer Statement

We are an equal‑opportunity employer committed to diversity and inclusion. All qualified applicants will receive consideration for employment without regard to age, ancestry, color, disability, gender identity, sexual orientation, race, religion, marital status, national origin, and other protected characteristics. If you require reasonable accommodation during the application process, please contact Talent Acquisition. All applicants have a right to be informed of their rights pursuant to federal employment laws.