Commercial Portfolio Manager

KEY RESPONSIBILITIES

Underwriting

• Coordinate/assist in underwriting process for both new and existing commercial transactions


• Demonstrates advanced proficiency in structuring complex credit transactions and assessing risk across diverse industries and borrower profiles


• Anticipates potential credit issues and proactively recommends solutions that align with the bank’s risk appetite and strategic goals


• Ensure that loan structure and pricing reflect both asset quality and return on equity expectations of bank


• Serves as a mentor to junior team members, providing guidance on credit structuring and decision-making


• Facilitate and participate in discussions with commercial lending staff and decision makers to advance credit approval process


• Contributes to the continuous improvement of credit processes and policy interpretation

Financial Analysis

• Collects and researches data and synthesizes financial data into meaningful terms


• Recognizes trends and patterns and identifies data relationships and dependencies


• Makes recommendations based on analysis


• Consistently delivers high-quality work, setting an example for others

Portfolio Management

• Monitor and manage portfolio activities individually and/or jointly with Relationship Manager, based on size and complexity of client relationship


• Provide leadership role in loan renewals, annual review and other regular reporting for existing loan relationships


• Review and monitor trends to ensure accurate risk rating and appropriate risk mitigation is in place at all times


• Proactively identifies opportunities and contributes to team success


• Additional responsibilities may include oversight of specific Commercial Segment including significant input regarding polices and processes to help manage performance and risk management across the bank

Relationship Management

• Cultivates and sustains high-value relationships with both internal stakeholders and key clients


• Demonstrates empathy, openness to diverse viewpoints, and a collaborative mindset


• Serves as a trusted advisor and strategic partner


• Leads by example in fostering collaboration, resolving conflict, and expanding client relationships to support long-term growth and retention

Teamwork

• Proactively establish and maintain effective working relationships with all commercial related associates and functions


• Collaborate with others to maintain/improve overall processes and procedures while being sensitive to the voice of the client in daily interactions


• Encourage open communication and ensure that all parties have the opportunity to share concerns and opinions

Business Acumen

• Demonstrates advanced understanding of business strategy, regulatory frameworks, and market forces


• Anticipates implications of credit decisions on profitability, risk, and customer relationships


• Aligns efforts with enterprise-wide goals and Emprise’s long-term vision

Judgment

• Consistently exercises advanced-level judgment in complex credit and portfolio decisions


• Anticipates downstream impacts and integrates strategic, financial, and regulatory considerations


• Serves as a resource for peers and contributes to decision-making frameworks and policy refinement

Compliance

• Stays current with regulatory activities and complies with legal and regulatory guidelines


• Ensures that credit decisions are appropriately documented

Other duties as assigned within the scope and responsibility of the job

Requirements

Benefits