Commercial Portfolio Manager

Position Purpose

The Commercial Portfolio Manager is responsible for analyzing and managing a portfolio of commercial credit relationships. This role combines direct client interaction independent financial analysis credit structuring and ongoing risk monitoring. The position supports growth of highquality commercial loans while ensuring adherence to credit policy regulatory expectations and sound risk management practices.

Essential Functions

Loan Origination & Business Development

• Retain and expand on the existing loan portfolio primarily through managing existing client relationships with limited production expectations.
• Conduct initial screenings assess borrower needs and determine credit feasibility.
• Structure loan terms that balance client objectives with the banks risk appetite.
• Prepare and deliver proposals term sheets and presentations for customers new requests renewals and modifications.
• Collaborate with internal partners (treasury deposits cash management) to deepen relationships and crosssell services.

Credit Analysis

• Perform full financial analysis of commercial borrowers including spreading financial statements evaluating cash flow leverage liquidity collateral and industry risk.
• Develop comprehensive credit memoranda with clear recommendations risk ratings and mitigants.
• Conduct site visits customer meetings and collateral evaluations.
• Ensure compliance with internal credit policy regulatory standards and loan documentation requirements.
• Present credit requests to loan committees and respond to followup questions.

Portfolio Management & Risk Monitoring

• Manage an assigned portfolio of commercial loans ensuring credit quality covenant compliance and timely renewals.
• Monitor borrower performance through financial statement reviews covenant tracking and ongoing risk assessments.
• Identify early warning signs recommend risk rating changes and develop action plans for deteriorating credits.
• Oversee and ensure timely completion of annual reviews renewals modifications and extensions.
• Maintain accurate and timely documentation credit files and system updates.
• Partner with loan operations credit administration and legal to ensure proper booking and servicing of loans.

Customer Relationship Management

• Serve as primary point of contact for borrowers providing guidance on credit needs banking services and account management.
• Build longterm relationships by understanding client industries business models and strategic goals.
• Resolve client issues promptly and coordinate with internal teams to deliver highquality service.

Operational & Compliance Responsibilities

• Ensure adherence to regulatory requirements (e.g. BSA/AML fair lending safety and soundness).
• Maintain portfolio data integrity and support internal/external audits.
• Participate in process improvements credit policy updates and system enhancements.

Qualifications & Requirements

• Bachelors degree in finance business accounting or related field.
• 2 years of experience in commercial lending credit analysis or portfolio management.
• Strong financial and credit analysis skills.
• Knowledge of commercial loan structures collateral types and regulatory expectations.
• Ability to manage multiple deals and deadlines with minimal supervision.
• Strong communication skills including the ability to present credit recommendations clearly.
• Proficiency with financial spreading software loan systems and Microsoft Office.

Preferred Qualifications

• Experience with C&I CRE SBA or specialized lending segments.
• Formal credit training program completion.
• Familiarity with risk rating models and covenant structures.
• Demonstrated ability to build and grow client relationships.

Physical Requirements

The work requires the ability to operate office machines and equipment such as personal computers printers copying machines and telephones. The work requires the ability to communicate clearly with customers coworkers and others in person and on telephones. Work activities involve combinations of sitting/standing for extended periods.

Pay Range

• The pay range for this position is $80200.00 - $134689.07
• The typical hiring range for this position is $80200.00 - $90915.12
• The incentive plan for this position is the Commercial Incentive plan. It is paid out quarterly based on production.
• Employees will be eligible for our benefits package including medical dental and vision insurance paid time off retirement plans (401k with company match and Employee Stock Ownership Plan) gym membership reimbursement discounts on our banking products and more! Additional information on our benefits package can be viewed at a community Bank we know the power in bringing people together from all walks of life. Our communities are beautiful and strong because of their diversity and its important to us that all of our locations reflect the unique diversity of the places we live and work. We are passionate about hiring the very best talent and welcome applicants from all backgrounds. Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

  
  

  Qualified applicants will receive consideration without regard to their race color religion sex sexual orientation gender identity national origin disability or status as a protected veteran

  
  

  First Fed invites all qualifiedinterested applicants to apply for our career opportunities. If you are a person with a disability and need a reasonable accommodation to use our online job search or application tools please email Human Resources via or call . Note: This contact information is reserved solely for job seekers requesting accessibility assistance or accommodation in the application process. Messages left for other purposes may not receive a response.

  
  

  We are required to notify all applicants of their rights pursuant to federal employment laws. For further information please review the Know Your Rights notice from the Department of Labor.

  
  

  
  

  Required Experience:

  Manager