Portfolio Manager II or Senior Portfolio Manager

Job Category

Production / Commercial Lending

Job Summary

Seeking a Portfolio Manager II or Senior Portfolio Manager with experience in the Farmer Mac program, real estate lending, and sales/business development. The role requires periodic travel across the bank’s footprint to support customer relationships and portfolio management.

The hiring range is $84,000 to $152,375 annual salary plus incentive opportunities.

Key Responsibilities

• Growth and retention of assigned portfolio clients, collaborating with Relationship Managers to deepen and retain relationships.
• Cross‑sell the bank’s products and services, developing robust relationship service plans.
• Facilitate comprehensive analysis that evaluates credit facilities to generate income and maximize ROA.
• Primary contact for assigned commercial or business relationships across the bank’s footprint.
• Provide preliminary analysis for annual reviews, renewals, and new relationships; may provide underwriting.
• Monitor and assist with profitability, retention, and growth, responding to portfolio balance changes, covenant management, and financial ticklers.
• Maintain a loan portfolio, minimizing risk and maintaining delinquencies and weak loans per policy.
• Recommend and model appropriate loan structures for expanding relationships.
• Ensure all loan package documentation is acquired.
• Coordinate with business partners, CLRM, or Regional Manager to identify expansion and retention opportunities.
• Conduct quarterly, semi‑annual, or annual business reviews in partnership with business partners and Managers.
• Perform research, preparation, and analysis of customer relationships and industry changes.

Qualifications and Experience

• Strong business acumen and ability to fully analyze and underwrite all types of loans.
• Superior understanding of financial statements, collateral, DSCR, and covenant compliance.
• Experience reviewing credit risk rating and borrower/guarantor analysis.
• Knowledge of federal and state regulations: Bank Secrecy Act, GLBA, OFAC, etc.
• Bachelor’s degree in accounting, finance, or business administration (preferred).
• 5–7 years of related experience within the financial industry.
• Financial analysis experience and credit training.
• Exceptional communication, analytical, and presentation skills to C‑Suite executives.
• Team oriented with strong customer service skills.

Equal Opportunity Employer

Tri Counties Bank is an affirmative action and equal opportunity employer. The Employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the “Know Your Rights” notice from the Department of Labor.