About This Role
This key replacement hire supports the commercial credit and portfolio management function within an established commercial banking organization. The role combines credit underwriting, portfolio management, risk oversight, and direct client interaction, making it suitable for an experienced commercial credit professional who can contribute quickly with limited technical training.
Responsibilities
- Manage an assigned portfolio of commercial banking relationships
- Perform comprehensive credit analysis on existing and prospective borrowers
- Prepare and independently evaluate credit recommendations, renewals, and annual reviews
- Analyze financial statements, borrower performance, collateral, repayment capacity, and overall credit risk
- Monitor loan covenants, exceptions, reporting requirements, and other portfolio-related deadlines
- Identify emerging credit concerns and communicate risk issues proactively
- Maintain accurate, timely, and compliant credit files
- Partner with Relationship Managers on underwriting, portfolio management, client retention, and business development
- Serve as a primary point of contact for assigned customer relationships
- Communicate directly with commercial clients regarding credit, financial, and deposit-related matters
- Support the structuring of commercial credit facilities within established lending parameters
- Assist in identifying opportunities to deepen existing client relationships
- Provide thoughtful recommendations for improving credit processes and procedures
- Ensure adherence to internal credit policies and applicable banking regulations
Requirements
- 5+ years of commercial credit, underwriting, and/or portfolio management experience
- Current Portfolio Manager experience strongly preferred
- Experienced Senior Credit Analysts operating at a Portfolio Manager level may also be considered
- Strong commercial credit underwriting and financial analysis capabilities
- Experience managing renewals, annual reviews, covenant monitoring, and ongoing portfolio risk
- Ability to independently evaluate credits and make well-supported recommendations
- Experience working with commercial and/or middle-market borrowers
- Strong understanding of commercial loan structures and credit documentation
- Professional written and verbal communication skills
- Comfortable interacting directly with business owners, executives, and commercial banking clients
- Strong organizational skills with the ability to manage multiple credits and deadlines simultaneously
- Collaborative approach to working with Relationship Managers and credit leadership
