The Commercial Portfolio Manager provides strategic support to the East Region Commercial & Industrial Banking team. This role focuses on managing portfolio risk, supporting credit analysis, and assisting with special projects to ensure strong client relationships and sound credit practices.
Responsibilities
Portfolio & Client Management:
- Partner with commercial banking leadership and designated bankers to manage existing client relationships and evaluate potential new clients.
- Assist with onboarding customers, ensuring a smooth process through coordination with internal teams (Loan Coordinator, Treasury Management, Credit, etc.).
- Monitor booked credit facilities, including interim financial reviews, borrowing base reviews, covenant compliance testing, annual reviews, and problem loan administration.
Credit Analysis & Risk Management:
- Analyze financial statements and prepare credit proposals for existing and prospective clients.
- Review loan committee presentations, annual credit reviews, and problem loan summaries.
- Maintain reporting infrastructure and develop portfolio trend reports to monitor risk and industry guidance.
- Administer nonperforming loans and support risk mitigation strategies.
Bell Bank Culture, Policy and Accountability Standards:
- Know by name and face as many customers and employees as possible, calling them by name as often as possible.
- Know and practice LOCBUTN, our Golden Rules, and Bell Bank Customer Service Standards.
- Know, understand, and live the company values and bottom line.
- Conduct activities consistent with established Bell Bank policies, procedures and systems, the Bell Bank Employee Conduct policies, the Bank Secrecy Act and all applicable state and federal laws and regulations.
- All employees are responsible for information security, including compliance with policies and standards which protect sensitive information.
- Prompt and reliable attendance.
- Perform other duties as assigned.
Education, Experience, and Other Expectations:
- Bachelor’s degree in accounting, finance, business administration, or a related field; or equivalent experience required.
- Three or more years of experience in commercial credit, commercial lending, or financial examination.
- Basic understanding of loan documentation and regulatory compliance requirements.
- Experience in risk assessment.
Skills and Knowledge:
- Proficient credit analysis and financial modeling skills.
- Good written and verbal communication abilities.
- Ability to manage multiple priorities and deadlines effectively.
- Basic knowledge of commercial lending guidelines and industry best practices.
- Ability to provide credit structure guidance for simple loan transactions and review internally prepared loan documentation for accuracy.
- High level of attention to detail and accuracy.
- Commitment to customer service excellence and relationship building.
- Desire to expand lending knowledge through external training as well as on-the-job training with more tenured portfolio managers.
Skills Required
- Bachelor's degree in accounting, finance, business administration, or a related field; or equivalent experience
- Three or more years of experience in commercial credit, commercial lending, or financial examination
- Basic understanding of loan documentation and regulatory compliance requirements
- Experience in risk assessment
Bell Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Bell Bank and has not been reviewed or approved by Bell Bank.
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Strong & Reliable Incentives — Bonuses and performance incentives are a recurring component of pay, including in some frontline and part-time roles. Variable pay appears to augment base salaries across multiple job families.
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Equity Value & Accessibility — An employee stock ownership plan is highlighted alongside profit sharing, giving employees accessible ownership participation. This structure can add long-term value beyond base pay.
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Leave & Time Off Breadth — Paid vacation and holidays, bereavement leave, and paid volunteer hours are included. Parental leave options (maternity, paternity, adoption) further broaden time-off coverage.
Bell Bank Insights
What We Do
People matter at Bell Bank – and it shows in how our team members treat each other, our customers and those around us. As members of the Bell Bank family, we provide unequaled personal service, working in the best interest of those we serve. Our award-winning workplace promotes success, recognizes achievement – and offers an environment focused on having fun while helping others. At Bell, we build careers. We build community. We positively impact lives around us. Employees are actively encouraged to volunteer (receiving 16 hours of paid volunteer time annually), and our unique Pay It Forward initiative has empowered more than $17 million in employee giving to people and causes we care about. Founded in 1966 and headquartered in Fargo, North Dakota, Bell has grown to become one of the nation’s largest independently owned banks. A family- and employee-owned company, Bell has full-service bank locations in North Dakota, Minnesota, and Arizona and mortgage offices in multiple states. Bell Bank is a Member FDIC, Equal Employment Opportunity Employer and an Equal Housing Lender (we lend without regard to race, color, religion, national origin, sex, handicap or familial status). Investment and wealth management services are not FDIC insured, have no bank guarantee, may lose value, not a deposit and not insured by any federal government agency.
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