Commercial Portfolio Manager

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

• 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

• 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

• 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

• 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

• 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

• 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