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Job: Senior Commercial Portfolio Manager

Title Senior Commercial Portfolio Manager
Categories Credit
Salary 100K-115K
Location Marietta, GA
Job Information

Senior Commercial Portfolio Manager


Position Title: Portfolio Manager

Reports To: CEO, Senior Lender


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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