Commercial Portfolio Manager

Commercial Portfolio Manager

The Commercial Portfolio Manager (CPM) partners closely with lenders, clients, and internal teams to deliver sound financial solutions while ensuring compliance with credit standards and risk guidelines. This role supports Commercial Bankers in step with Credit partners to deliver credit solutions through underwriting, portfolio management, and extensive internal and external client interaction. The CPM is expected to be a subject matter expert in the respective portfolio and adhere to all regulatory and compliance guidelines.

Essential Job Functions

• Participate in or lead in-person and virtual client calls with Commercial Bankers for in-depth financial questions, deal information, collection of financial statements, and other portfolio management requirements
• Work closely with Commercial Support team associates, Loan Officers, and Credit partners in the administration of new and existing loan relationships
• Provide guidance, instruction, and leadership to assigned Commercial Support team
• Collaborate with lenders and support staff on maturing loans, restructures, and risk mitigation strategies
• Monitor portfolio performance, including loan renewals, covenant compliance, documentation tracking, exception reporting, and delinquencies
• Lead the underwriting process for renewal opportunities for clients within an assigned portfolio and support assigned lenders in initiating and fostering new opportunities through the credit process
• Provide in-depth analysis of financial statements, management competencies, industry impact, competitive dynamics, collateral, and guarantor support for new/renewal opportunities and other credit risk management deliverables
• Proactively monitor emerging credit concerns
• Serve as a primary point of contact between internal teams, clients, and external partners such as attorneys and advisors
• Generate portfolio reports and provide insights to support decision-making and performance tracking
• Recommend enhancements to lending policies and procedures based on market trends and portfolio needs
• Assist with compliance and regulatory reviews
• Support business development efforts by participating in client meetings, sales calls, and local market activities
• Participate in special projects to aid with the continuous improvement of portfolio management

Job Requirements

• Bachelor's degree in finance, business, accounting, or related field or equivalent work experience
• Prior experience in loan underwriting, credit analysis, and portfolio management, preferably within commercial banking

Knowledge/Skills Required

• Advanced relationship management skills
• Advanced negotiation skills
• Advanced collaboration skills
• Intermediate knowledge of multiple commercial loan segments, including underwriting and administration of loans in those segments
• Intermediate understanding of loan structures, documentation, and regulatory considerations
• Intermediate understanding of financial statements, tax returns and cash flows of commercial and industrial companies or commercial and residential real estate companies
• Intermediate problem-solving skills
• Intermediate financial acumen
• Intermediate financial research skills
• Intermediate financial analysis skills
• Intermediate proficiency with lending software and tools
• Intermediate proficiency with Microsoft Office
• Intermediate verbal and written communication skills
• Intermediate organizational skills
• Intermediate time management skills
• Intermediate technical proficiency

Physical and Mental Qualifications

• Standing, walking, bending and stooping required
• Must be able to sit at a desk for long periods of time and use a computer
• Must be able to occasionally move or lift up to 10 pounds
• May be asked to work supplemental hours periodically
• Limited travel required occasionally during and after business hours

Salary Pay Range: $90,134 - $156,808 annually

Benefits: Eligible associates may participate in Carter Bank's benefits package, including medical, dental, vision, life insurance, disability coverage, other voluntary benefits, 401(k), paid time off, and paid holidays.