Portfolio Manager

 Position Purpose:

Responsible for managing and servicing a portfolio of commercial loan relationships. Provides ongoing monitoring of assigned portfolio to ensure asset quality and customer service standards are met.

Job Duties and Responsibilities:

• Responsible for spreading and analyzing financial statements, addressing industry risks, collateral requirements, and loan structure and pricing.
• Works closely with borrower(s), performs underwriting on new and renewed loans on commercial loan portfolio.
• Responsible for maintaining and expanding relationships, with a resulting high degree of customer satisfaction.
• Complete the documentation required for the loan approval packages, review status of existing loans and take appropriate action on loans that are mature or past due.
• Ongoing monitoring of credit performance.
• Responsible for ongoing portfolio review of past dues, exceptions, and maturing loan reports.
• Ensures adherence to credit policy, guidelines and regulatory requirements.
• Works directly with other internal departments including credit analysts, appraisal group, and loan services.
• Prepares loan memorandum and facilitates underwriting of new and renewed loans.
• Assists in the lending and sales process by accompanying the lenders on customer and prospect calls when necessary.
• Recognize product and financial service opportunities and refer to appropriate partners.
• Works with clients to collect items needed for exception monitoring and renewal credit process.
• Ongoing monitoring of construction projects adhering to advance procedures that meet credit policy standards.
• Ensures all departmental documents and activities are performed in compliance with laws, regulations, and policy and procedures of the bank.
• Participates in evaluating risk rating and makes revision recommendations.
• Attends monthly sales meetings reporting on portfolio activities.
• Assist in other areas of the bank when needed.
• Complete any required annual training and maintain knowledge relevant to the role.
• Participate in bank and community initiatives to strengthen visibility and reinforce Firstar’s commitment to the communities it serves.
• Perform additional responsibilities as assigned in support of the Bank’s priorities and objectives. 

 Skills and Abilities Required:

• Ability to read, interpret, and analyze financial reports and or legal documents.
• Excellent written and oral communication skills.
• Ability to respond in a fast paced, fluid environment while maintaining excellent organizational skills.
• Proven ability to work independently while also collaborating across teams and leading internal partners toward shared relationship goals.
• Proficiency in Microsoft Office applications, including Word and Excel, with the ability to learn new software systems quickly.

Experience and Education Requirements:

• Bachelor’s degree in business, finance, or a related field, or equivalent combination of education and experience.
• Typically requires at least five (5) years of experience in banking.

Physical Requirements:

• Prolonged periods of sitting at a desk and working on a computer, with occasional standing and walking throughout the office.
• Occasional bending, reaching or stooping as needed to retrieve files, office supplies, or materials.
• May occasionally lift and/or move items up to 45 pounds (e.g., files, office supplies, packages.)
• Requires the ability to communicate effectively, including the use of visual acuity for reviewing documents and screens and auditory ability for conversations in person and by phone.

Core Values in Action:

• Integrity: Leads by example with ethical decision-making, honesty, and accountability.
• Trust: Builds confidence through transparent communication and consistent follow-through.
• Respect: Treats others with kindness, professionalism, and appreciation for diverse perspectives.
• Better Together: Fosters collaboration and teamwork to achieve shared goals through strong, trust-based relationships.
• Client & Community Focused: Puts clients and community first through responsive service and meaningful engagement.

Firstar Bank is proud to be an Equal Opportunity Employer: EEO/M/F/Disabled/Vets