Job Description
Job Description
Commercial Portfolio Manager
Position Summary
The Bank is seeking an experienced Commercial Underwriter to join its commercial credit team in a collaborative, relationship-focused environment. This role partners closely with Commercial Relationship Managers to evaluate new and existing credit opportunities, structure transactions, and provide sound credit recommendations that support long-term client relationships while maintaining strong portfolio quality.
The ideal candidate brings a solid commercial credit foundation with experience analyzing commercial real estate and commercial & industrial transactions. This individual enjoys working directly with lenders, thinking critically about credit risk, and contributing to a collaborative credit culture where decisions are made close to the customer.
Responsibilities
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Analyze commercial loan requests, including commercial real estate, construction, owner-occupied real estate, investment real estate, and C&I transactions.
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Prepare comprehensive credit presentations, financial analyses, and risk assessments.
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Evaluate borrower and guarantor financial statements, tax returns, global cash flow, debt service coverage, and collateral.
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Assess transaction structure, repayment sources, covenant compliance, and overall credit risk.
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Partner with Commercial Relationship Managers throughout the underwriting process while providing thoughtful credit recommendations.
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Assist with renewals, modifications, annual reviews, and ongoing portfolio monitoring.
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Ensure credit packages comply with bank policy and regulatory expectations.
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Communicate effectively with lenders and credit leadership throughout the approval process.
Qualifications
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3+ years of commercial underwriting, credit analysis, or portfolio management experience.
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Experience underwriting commercial real estate and commercial & industrial loans.
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Strong understanding of commercial financial statement analysis and cash flow analysis.
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Ability to analyze complex credit relationships and communicate recommendations clearly.
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Experience working within a community or regional bank environment preferred.
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Bachelor's degree in Finance, Accounting, Business, or related field preferred.
What Makes This Opportunity Attractive
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Collaborative community banking culture with direct interaction between lenders and credit.
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Diverse portfolio including commercial real estate, construction, C&I, multifamily, and agricultural lending.
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Strong credit quality and disciplined underwriting philosophy.
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Opportunity to make meaningful contributions while supporting experienced commercial lending teams.
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Stable, well-capitalized institution with a long-term relationship banking focus.