Commercial Portfolio Manager

KEY RESPONSIBILITIES

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

Financial Analysis

• 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

Relationship Management

• 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

Teamwork

• 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

Business Acumen

• 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

Judgment

• 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

Compliance

• 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

KEY COMPETENCIES

• Decision Quality – Making good and timely decisions that keep the organization moving forward. Makes sound decisions, even in the absence of complete information. Relies on a mixture of analysis, wisdom, experience, and judgment when making decisions. Considers all relevant factors and uses appropriate decision-making criteria and principles. Recognizes when a quick 80% solution will suffice.
• Collaboration – Building partnerships and working collaboratively with others to meet shared objectives. Works cooperatively with others across the organization to achieve shared objectives. Represents own interests while being fair to others and their areas. Partners with others to get work done. Credits others for their contributions and accomplishments. Gains trust and support of others.
• Financial Acumen – Interpreting and applying understanding of key financial indicators to make better business decisions. Understands the meaning and implications of key financial indicators. Uses financial analysis to generate, evaluate, and act on strategic options and opportunities. Integrates quantitative and qualitative information to draw accurate conclusions.
• Manages Complexity – Making sense of complex, high quantity, and sometimes contradictory information to effectively solve problems. Asks the right questions to accurately analyze situations. Acquires data from multiple and diverse sources when solving problems. Uncovers root causes to difficult problems. Evaluates pros and cons, risks and benefits of different solution options.
• Ensures Accountability – Holding self and others accountable to meet commitments. Follows through on commitments and makes sure others do the same. Acts with a clear sense of ownership. Takes personal responsibility for decisions, actions, and failures. Establishes clear responsibilities and processes for monitoring work and measuring results. Designs feedback loops into work.