Commercial Portfolio Manager

Job TitleKEY RESPONSIBILITIESCoordinate/assist in underwriting process for both new and existing commercial transactionsDemonstrates advanced proficiency in structuring complex credit transactions and assessing risk across diverse industries and borrower profilesAnticipates potential credit issues and proactively recommends solutions that align with the bank's risk appetite and strategic goalsEnsure that loan structure and pricing reflect both asset quality and return on equity expectations of bankServes as a mentor to junior team members, providing guidance on credit structuring and decision-makingFacilitate and participate in discussions with commercial lending staff and decision makers to advance credit approval processContributes to the continuous improvement of credit processes and policy interpretationFinancial AnalysisCollects and researches data and synthesizes financial data into meaningful termsRecognizes trends and patterns and identifies data relationships and dependenciesMakes recommendations based on analysisConsistently delivers high-quality work, setting an example for othersPortfolio ManagementMonitor and manage portfolio activities individually and/or jointly with Relationship Manager, based on size and complexity of client relationshipProvide leadership role in loan renewals, annual review and other regular reporting for existing loan relationshipsReview and monitor trends to ensure accurate risk rating and appropriate risk mitigation is in place at all timesProactively identifies opportunities and contributes to team successAdditional responsibilities may include oversight of specific Commercial Segment including significant input regarding polices and processes to help manage performance and risk management across the bankRelationship ManagementCultivates and sustains high-value relationships with both internal stakeholders and key clientsDemonstrates empathy, openness to diverse viewpoints, and a collaborative mindsetServes as a trusted advisor and strategic partnerLeads by example in fostering collaboration, resolving conflict, and expanding client relationships to support long-term growth and retentionTeamworkProactively establish and maintain effective working relationships with all commercial related associates and functionsCollaborate with others to maintain/improve overall processes and procedures while being sensitive to the voice of the client in daily interactionsEncourage open communication and ensure that all parties have the opportunity to share concerns and opinionsBusiness AcumenDemonstrates advanced understanding of business strategy, regulatory frameworks, and market forcesAnticipates implications of credit decisions on profitability, risk, and customer relationshipsAligns efforts with enterprise-wide goals and Emprise's long-term visionJudgmentConsistently exercises advanced-level judgment in complex credit and portfolio decisionsAnticipates downstream impacts and integrates strategic, financial, and regulatory considerationsServes as a resource for peers and contributes to decision-making frameworks and policy refinementComplianceStays current with regulatory activities and complies with legal and regulatory guidelinesEnsures that credit decisions are appropriately documentedOther duties as assigned within the scope and responsibility of the jobKEY COMPETENCIESDecision Quality – Making good and timely decisions that keep the organization moving forward. Makes sound decisions, even in the absence of complete information. Relies on a mixture of analysis, wisdom, experience, and judgment when making decisions. Considers all relevant factors and uses appropriate decision-making criteria and principles. Recognizes when a quick 80% solution will suffice.Collaboration – Building partnerships and working collaboratively with others to meet shared objectives. Works cooperatively with others across the organization to achieve shared objectives. Represents own interests while being fair to others and their areas. Partners with others to get work done. Credits others for their contributions and accomplishments. Gains trust and support of others.Financial Acumen – Interpreting and applying understanding of key financial indicators to make better business decisions. Understands the meaning and implications of key financial indicators. Uses financial analysis to generate, evaluate, and act on strategic options and opportunities. Integrates quantitative and qualitative information to draw accurate conclusions.Manages Complexity – Making sense of complex, high quantity, and sometimes contradictory information to effectively solve problems. Asks the right questions to accurately analyze situations. Acquires data from multiple and diverse sources when solving problems. Uncovers root causes to difficult problems. Evaluates pros and cons, risks and benefits of different solution options.Ensures Accountability – Holding self and others accountable to meet commitments. Follows through on commitments and makes sure others do the same. Acts with a clear sense of ownership. Takes personal responsibility for decisions, actions, and failures. Establishes clear responsibilities and processes for monitoring work and measuring results. Designs feedback loops into work.Travel RequiredNoEqual Opportunity Employer This employer is required to notify all applicants of their rights pursuant to federal employment laws. 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