Commercial Portfolio Manager

Job Summary

The Commercial Portfolio Manager is responsible for supporting the management and ongoing performance of the commercial loan portfolio through credit analysis, underwriting support, risk identification, and portfolio monitoring. This role partners with the Market President and lenders to evaluate new and existing credit relationships through financial statement spreading, borrower and global cash flow analysis, collateral and guarantor analysis, annual relationship reviews, and credit approval package preparation. The position also supports portfolio administration, covenant and exception tracking, and adherence to bank policies, credit standards, and regulatory requirements to promote sound credit quality and disciplined portfolio management.

Core Underwriting and Risk Responsibilities

• Work with loan officers and clients to anticipate, identify, and collect documents needed for efficient and timely approvals on new and existing credit relationships.
• Validate that all credit files are complete, identify documentation deficiencies and emerging credit risks, and report findings to market president, loan officers, and credit administration for timely resolution to maximize credit quality and minimize risk of loss to the bank.
• Assist in reviewing closing documentation to ensure that the terms and structure of loans conform to bank policy, approved conditions, and prudent credit standards.
• Maintain a strong working knowledge of the bank’s lending policies and procedures and identify policy exceptions requiring escalation or mitigation.
• Assist in reviewing loan files as needed to ensure quality, consistency, and compliance with lending guidelines.
• Assist in monitoring a commercial loan portfolio by performing financial statement spreads, cash flow analysis, borrowing base review, and ongoing risk assessment to identify deterioration, policy exceptions, and emerging credit concerns.
• Assist in the preparation of loan evaluations for new credit requests, renewals, extensions, modifications, and annual relationship reviews, including borrower cash flow analysis, collateral analysis, guarantor analysis, and global cash flow analysis to assess repayment capacity, credit structure, and overall risk.
• Assist in maintaining credit tracking systems for past dues, borrowing bases, annual reviews, covenant compliance, and other portfolio monitoring requirements for the Omaha location.
• Assist in making risk-based credit recommendations to the person(s) making final lending decisions on new, renewal, extension, and modification requests, including identification of structural strengths, weaknesses, mitigants, and policy exceptions.
• Assist in providing underwriting guidance, technical analysis, and credit risk insight to the Market President and loan officers.
• Assist lenders with presentation for Loan Committee and participate in these meetings as an observer and support the lender.
• Assist in the support of lending decisions through thoughtful credit analysis and effective partnership with lenders and customers.

Operational and Administrative Support

• Work cooperatively with Loan Services Department and Loan Officers to ensure proper documentation in an effective and efficient manner.
• Aid in reviewing, preparing, and maintaining various credit files and following up on outstanding items.
• Assist with process advances and disbursements and assist with preparation of payoff letters.
• Assist in day-to-day administrative support for loan processing, including payment processing, document preparation, and post-closing duties.
• Assist in working closely with post-closing loan administration to ensure onboarding of all loans is successfully completed.
• Assist in tracking past-due accounts and facilitate client communications regarding collections.
• Assist lenders in evaluating, drafting, and implementing loan workout solutions.
• Assist in the safeguard of original notes and collateral.
• Assist in maintaining and management of the loan exception list to perfect collateral, update taxes and insurance, and ensure all file items are current.
• Assist in processing adverse actions and withdrawals, including sending declination letters and completing adverse action forms.
• Assist with cross-selling and referrals to other departments of the bank.
• As part of the overall team, the position may be requested to assist in the support of other bank activities and duties.

Qualification/Skills

• Strong working understanding of financial statements, including GAAP prepared and OCBOA prepared financial statements
• Ability to analyze complex financial information.
• In-depth knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis.
• Effective verbal and written communication skills
• Proficient computer navigation skills using a variety of software packages; knowledge of Fiserv and Moody’s software is a plus.
• Bachelor’s degree in Accounting, Business Administration, Finance, Economics, or a related field, or 2–5 years of banking, finance, or accounting experience.
• Ability to organize and prioritize situations where changes frequently occur.
• Ability to respond effectively to the most sensitive inquiries/customer resolution.
• License or Certification is a plus (i.e., CRC, CCRA, NACM, CBCA, CFA, CRA)

Other Duties

• Please note that this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities required of the employee for this job. Duties, obligations, and activities may change at any time, with or without notice.

Physical Requirements

• While performing the duties of this position, the employee is regularly required to sit and use hands to finger, handle, or feel objects, tools, or controls.      The employee frequently is required to reach with hands and arms and talk or hear.  The employee is occasionally required to walk and periodically lift 20-50 lbs.