Commercial Portfolio Manager II

GENERAL FUNCTION: 

The Portfolio Manager II is responsible for managing a portfolio of commercial loans and underwriting transactions. This position is accountable for the ongoing review and analysis of financial statements and proactive portfolio monitoring to ensure a comprehensive understanding of borrower performance and risk profile. The Portfolio Manager II partners closely with Relationship Managers and Credit Risk throughout the deal lifecycle. Responsibilities include covenant structuring and analysis, collateral evaluation, risk rating assessment, and the preparation of sound, well-supported credit recommendations. The Portfolio Manager II is expected to be anticipatory, forward-focused, independent, transparent, and collaborative in the identification, communication, and management of risk.  

Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank’s risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.  

ESSENTIAL DUTIES AND RESPONSIBILITIES: 

• Maintain an independent current and forward-looking view on the creditworthiness of each client and communicate this view to business and risk partners. 

• Perform monitoring actions; conduct periodic deal reviews; and execute decisions to renew or modify deals. 

• Work closely with Credit Risk and Relationship Managers to actively manage the bank's exposure to the clients in the portfolio. 

• Analyze historical financials and projections to ensure accurate risk ratings, early identification of emerging credit problems, and articulation of industry trends. 

• Manage underwriting, approval and documentation process for transactions which may include new money, loan extensions, amendments, waivers and ancillary products, including treasury management, FX, interest rate derivatives, and commodity exposure. 

• Review and recommend credit decisions; perform final risk rating analysis; provide business partners with credit lending policy interpretation. 

• Ensure compliance with internal policies and regulatory guidelines. 

• Actively involved in the recruiting, training, and mentoring of junior team members to enhance their skills and performance. 

• Meet with prospects / clients as needed. 

• Create and deliver comprehensive portfolio performance reports and presentations for senior management, offering strategic insights and high-level recommendations. 

• Ensure the highest standards of accuracy and integrity in system records and electronic files, supporting advanced compliance and data governance initiatives.