Sr Commercial Loan Portfolio Manager

Position Summary: 

The senior commercial loan portfolio manager is responsible for overseeing and managing a portfolio of commercial loans, analyzing creditworthiness of borrowers, monitoring loan performance, identifying potential risks, and making informed decisions to maintain the overall credit quality and profitability of the loan portfolio within a bank or financial institution, often working closely with relationship managers and credit analysts to cultivate client relationships and structure appropriate loan solutions.

 

Key responsibilities:

 

Credit analysis and underwriting: Thoroughly evaluating financial statements and creditworthiness of potential borrowers to determine loan eligibility and structure suitable loan terms.

 

Portfolio monitoring: Regularly reviewing loan performance metrics like payment history, financial ratios, and industry trends to identify potential credit issues and take necessary actions.

 

Risk management: Proactively identifying and mitigating credit risks associated with the loan portfolio by setting appropriate credit limits, monitoring loan covenants, and implementing corrective measures when needed.

 

Client relationship management: Building and maintaining strong relationships with existing commercial clients, understanding their business needs, and identifying opportunities to cross-sell additional banking products. Loan structuring and pricing: Designing loan structures, including interest rates, repayment schedules, and collateral requirements, to meet client needs while adhering to bank policies.

 

Regulatory compliance: Ensuring loan portfolio management practices adhere to relevant banking regulations, including AML, CRA, and other compliance requirements. Reporting and analysis: Generating regular reports on portfolio performance, identifying trends, and providing insights to senior management.

 

Click here for employee benefit information.
This position starts at $98,438 per year and can increase from there depending on experience.

 

Applications will be accepted through July 14th, 2025

Qualifications

Required Qualifications: 

 

Minimum 4-year bachelor’s degree in finance, accounting, economics, or similarly related field. Master’s level education in related fields strongly preferred. Relevant banking experience may be substituted at Central Bank’s discretion.

 

Minimum 5 years’ experience as a credit analyst or similar field and proven ability to perform all duties/requirements of the Central Bank Credit Department. 

 

Strong preference for candidates with prior experience with direct customer contact and interaction.

 

Advanced understanding of accounting and financial principles.

 

Excellent written and verbal communication skills, with the ability to present complex financial information clearly and concisely.

 

Strong proficiency with Microsoft Office programs, especially Excel and Word.

 

Proficient in or familiar with spreading programs e.g., Moody’s, Buker’s or others.

 

Advanced analytical skills – ability to identify and answer “why” issues in credit underwriting.

 

Projects a professional image and collaborates with others in department to accomplish goals and demanding deadlines.

 

Strong time management and organization skills and ability to meet stringent deadlines.

 

Other duties and tasks as may be directed by management.

 

NOTE: This job description is not intended to be an exhaustive list of all duties, responsibilities or qualifications associated with the job.