Commercial Portfolio Manager

Pay Range: $109,085.00 - $145,462.00

The Portfolio Manager position is responsible for prudent underwriting and effective credit and risk administration with particular emphasis on adherence to credit policy and requirements, financial analysis/modeling, risk evaluation, on-going portfolio maintenance activities, and client support for an assigned portfolio of existing credits and prospects primarily of moderate to medium complexity, with some having higher complexity.

Education and Experience:

• 4 Year College degree, preferably in Finance or Accounting or equivalent education and experience
• 5 to 7 years lending experience

Skills and Abilities:

• Strong verbal, writing and interpersonal skills.
• Excellent analytical, credit and underwriting skills.
• Sound leadership, organizational and time-management skills.
• Complete knowledge of commercial loan policy and appropriate federal and state regulations pertinent to commercial real estate lending.
• Sound understanding of economics, commercial finance and accounting .

Tasks Performed:

• 30% Proactively maintains and services the Credit and Risk administration of assigned portfolio accounts in the commercial banking portfolio to ensure overall commercial banking portfolio performance and asset quality remains strong. When necessary, surfaces issues, proposes and collaborates with others on strategies and actions to limit risk and loss to the Bank. Meets deadlines associated with maintaining portfolio and compliance with credit and risk policies
• 30% Responsible for the structuring, underwriting, and documenting of new loans as well as loans with existing customers, including management of complex credits. Takes the lead on the internal credit process for obtaining approvals of credit proposals.
• 25% Regular client interaction to support and complement relationship manager with servicing customers and resolving issues related to both credit and other bank products including deposit, ACH, and cash management. Attends networking functions and events to establish presence in the community.
• 10% Continually develops and maintains specialized knowledge of commercial products including loans, cash management, trade services products and deposits.
• 5% Other duties as assigned.

Physical Requirements:

• Communicate effectively with internal and/or external customers
• Stationary 75% of time or greater
• Move Objects to Maximum 10 lbs

Why Work at NBT

At NBT we empower people to grow, innovate, and thrive through meaningful work, a supportive culture and opportunities to make a real impact in your community – because your success drives our success. 

Wellbeing 

At NBT, we value and support your wellbeing by offering generous time-off policies, wellness initiatives and flexible work arrangements, so you can thrive both personally and professionally. 

Community Involvement 

NBT believes community involvement fosters our success and the success of those around us. Through volunteer service and charitable partnerships, we empower our employees to make a positive impact beyond the workplace. 

Culture 

NBT believes in creating a workplace where every voice matters and every team member feels empowered to contribute. With supportive leadership, we foster an environment where employees are connected, inspired, and valued. 

Career Development 

Whether you’re just starting your career or serve in a senior leadership role, your growth and development are our priority. NBT provides a wide variety of development programs and tools for you to reach your full potential. 

Total Rewards 

NBT recognizes and rewards your contributions with competitive compensation, comprehensive benefits and performance-based incentives – ensuring you feel valued every step of the way.   

Business Stability 

NBT has built a reputation as a stable financial institution by growing our people and our business, evolving our processes and managing risk. We've weathered the market's ups and downs for over 165 years, all while charting a well-defined growth plan. 

Benefits for Full-Time Employees: 

• Generous Paid Time Off: At least 22 days annually, prorated in the year of hire. 

• Parental Leave: Six weeks of paid leave at 100% of your salary. 

• Comprehensive Medical Coverage: Includes emp