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Job: Senior Commercial Portfolio Manager

Title Senior Commercial Portfolio Manager
Categories Credit
Salary 100K-110K
Location Charlotte, NC
Job Information

Senior Commercial Portfolio Manager

Position Title: Portfolio Manager

Reports To: CEO, Senior Lender, or other designated local senior management


Responsible for managing larger commercial credits. Ensures the portfolio achieves soundness, probability, and growth objectives. Provides credit and sales support to Commercial Lending.


  • Bachelor’s Degree from an accredited school with course work in finance and accounting preferred
  • 5+ years’ work experience related to various aspects of commercial lending
  • Possesses a proficient knowledge of credit policy, banking regulations, and loan documentation issues
  • Must be able to spread, analyze, and interpret complex business and personal financial statements and tax returns
  • Must be able to analyze relationships, clients, and prospects globally, not just on individual requests
  • Must be able to identify strengths and weaknesses of individual requests and make recommendations to address and mitigate perceived risks
  • Must prepare and be able to present credit analysis packages through the credit approval chain with limited supervision
  • Must possess an extensive knowledge of various loan structures and have the ability to apply this knowledge in the formulation of sound credit recommendations
  • Must have excellent interpersonal and communication skills
  • Must be able to verbally communicate effectively one-to-one and in groups
  • Must be able to write clearly and effectively
  • Must be able to develop and maintain cohesive, cooperative working relationship with co-workers
  • Must have good personal organization and time management skills
  • Must understand and work effectively within the credit culture of the company
  • Must allocate time effectively and independently prioritize work load to meet timelines
  • Must be able to work with in-house financial reporting applications, including Navigator
  • Good mathematical, reading comprehension and writing skills
  • Participate in all required compliance training, including Bank Secrecy Act/anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars/conferences, etc.


  • Working with lenders to manage all aspects of the local loan portfolio including annual reviews, past dues, BBRs, covenant compliance, CARs, collateral exceptions, and other portfolio management tools
  • Actively participating and assisting in all aspects of the loan process including calling, underwriting, presenting throughout the credit approval chain, and closing
  • Identifying and collecting all relevant information required to analyze credit requests
  • Coordinating with Credit Analysts in the preparation of LARs, credit memos, financial spreads, and related documents
  • Serving as secondary contact on client relationships
  • Identifying cross-sell opportunities with new and existing clients
  • Preparing commitment letters and reviewing loan documents
  • Assisting lenders in their prospecting efforts
  • Other duties as assigned
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