Credit Portfolio Manager II

SUMMARY

The Credit Portfolio Manager II manages and monitors an assigned portfolio of significant and complex Commercial Lending relationships. The role provides experienced credit analysis support and leads portfolio administration activities, including annual reviews, covenant testing, loan maturities, risk ratings, borrower reporting, and related portfolio follow-up.

This position partners with Credit leadership, Relationship Managers, Credit Analysts, and Commercial Loan Administrators to support portfolio risk assessment, reporting, collateral evaluation oversight, credit process improvements, audits, loan reviews, and recommendations that strengthen risk and portfolio management.

ESSENTIAL DUTIES AND RESPONSIBILITIES

Complete and review credit analysis and file comments for new money, renewals, modifications, and annual review requests for significant and complex Commercial Lending relationships.

• Lead portfolio administration in accordance with Bank policy, including annual reviews, covenant testing, loan maturities, borrower reporting, and related portfolio follow-up.
• Monitor borrower reporting requirements, including financial statements, tax returns, borrowing base certificates, rent rolls, covenant compliance certificates, and other required financial reporting.
• Monitor borrowing base reporting and revolving line activity, as applicable, to support collateral availability, advance eligibility, covenant compliance, and early risk identification.
• Partner with Credit leadership, Relationship Managers, Credit Analysts, and Commercial Loan Administrators to communicate expectations and meet deadlines.
• Review credit and legal documentation to support covenant tracking, testing, and correction of documentation inconsistencies.
• Support accurate loan risk ratings, risk rating recommendations, and identification of portfolio risk trends.
• Assist with portfolio risk assessments, including risk rating trends, stress testing, asset quality, industry concentrations, and management or board-level reporting.
• Identify emerging credit concerns and support risk mitigation or remediation actions, including risk rating recommendations, covenant changes, monitoring enhancements, and corrective action plans.
• Maintain awareness of market conditions, industry trends, regulatory expectations, and commercial credit best practices.
• Oversee internal collateral evaluation functions, including review and approval of analyst-prepared evaluations as needed.
• Support implementation of credit systems, processes, procedures, and analysis templates.
• Recommend improvements to credit policies, procedures, workflows, efficiency, and portfolio administration.
• Serve as a liaison with audit, loan review, compliance, and other oversight partners, as needed.
• Lead departmental projects and participate in Commercial audits, loan reviews, and related initiatives.
• Interact with clients, upon request, to obtain financial information, answer credit process questions, or attend meetings.

Consider this description to be the foundation of your job, not its boundaries. Expect to participate in internal and external training sessions and activities not described here which enhance the quality of service to the client.