Portfolio Manager

Portfolio ManagerA growing local Community Bank is expanding and seeking an experienced Commercial Portfolio Manager for the Memphis, TN market. This position partners closely with Commercial Lenders to underwrite, structure, close, and manage complex commercial credit relationships while maintaining strong credit quality and exceptional client service.Key ResponsibilitiesUnderwrite new commercial loans, renewals, extensions, modifications, and amendmentsPerform detailed financial statement, tax return, cash flow, and global cash flow analysisAnalyze borrower, guarantor, industry, and market risk and prepare comprehensive credit approval packagesProvide an independent assessment of key risks and considerations impacting credit decisionsSupport complex and high-dollar commercial loan transactionsAssist lenders with term sheets, commitment letters, loan structure, and approval packagesReview borrowing base certificates and monitor complianceManage CRE and construction lending requirements, including draw requests, inspections, construction documentation, appraisals, environmental reports, leases, and contractor informationReview loan documentation before and after closing for accuracy and compliance with loan approvalMonitor portfolio performance through annual/quarterly reviews, covenant testing, financial reporting, and risk assessmentTrack and resolve documentation and ongoing credit exceptionsRequest and review financial spreads, global cash flow analyses, appraisals, evaluations, and environmental informationUtilize nCino to maintain credit information and submit loan packages for approvalMaintain knowledge of FDIC, OCC, state banking regulations, Bank policies, and lending compliance requirementsBuild strong partnerships with Commercial Lenders and other areas of the BankIdeal Candidate5+ years of banking experience, including at least 2 years in commercial credit analysisExperience supporting Commercial Lenders and high-dollar commercial creditsStrong knowledge of commercial lending, CRE, construction lending, underwriting, credit analysis, and portfolio managementAbility to analyze personal and business tax returns, financial statements, cash flow, and complex financial ratiosUnderstanding of loan documentation, credit policy, regulatory requirements, and risk managementStrong analytical, written, and verbal communication skillsHighly organized with excellent attention to detail and ability to manage multiple deadlinesProficiency with Excel, Word, Outlook, and commercial lending systems such as nCinoBachelor's degree in Finance, Accounting, Business Administration, or related field; applicable graduate education may satisfy certain experience requirementsWhy This Opportunity Stands OutThis is an opportunity to join a growing community bank where you can have direct involvement in significant commercial transactions and work closely with experienced lenders. The position offers broad exposure to commercial credit, CRE, construction lending, underwriting, portfolio management, and the complete lending process while supporting continued growth in the Memphis market.For a fully confidential conversation about this exciting opportunity, please reach out to me directly!Denise FairSearch Consultant gpac - Banking View email address on click.appcast.io qualified applicants will receive consideration without regard to race, age, color, sex (including pregnancy), religion, national origin, disability, sexual orientation, gender identity, marital status, military status, genetic information, or any other status protected by applicable laws or regulations. GPAC (Growing People and Companies) is an award-winning search firm specializing in placing quality professionals within multiple industries across the United States since 1990. We are extremely competitive, client-focused and realize that our value is in our ability to deliver the right solutions at the right time.