The Senior Lending Portfolio Manager is responsible for proactively monitoring and maintaining the compliance and soundness of the loan portfolio to which they are assigned. In addition to portfolio management, this position is a production support role and includes underwriting new loans and renewals of existing loans in close partnership with the assigned Loan Officer(s). The ideal candidate for this role will have direct experience in commercial underwriting, loan production, and portfolio management including covenant testing, file maintenance, and tickler and technical exception resolution. Proactive and effective communication with colleagues, clients, and vendors is critical to this role.
Job Responsibilities:
- Assist assigned Loan Officer(s) in loan production activities as directed by the Loan Officer and the Director of Lending. Activities include, but are not limited to:
- Attending client calls with the Loan Officer
- Collecting financial documentation from clients
- Processing loan applications
- Spreading and analyzing financial statements
- In collaboration with the Loan Officer, prepare credit presentations including loan request narrative, cash flow analysis, collateral analysis, risk assessment, etc.
- Monitor assigned loan portfolio for delinquency and contact delinquent loan clients for payment.
- Review bank reporting for maturing loans and support the Loan Officer in collection of financial packages. The Senior Lending Portfolio Manager will underwrite loan renewals in collaboration with the Loan Officer.
- Monitor loan ticklers and technical exceptions and work to resolve any outstanding items as expediently as possible.
- Track and monitor loan performance covenants and advise the Loan Officer and the credit administration team of breached covenants. Proactively engage in resolving issues as they arise.
- Collaborate closely and communicate effectively with internal partners including Loan Assistants, Credit Administration, Operations, and Compliance.
- Attend team training and complete compliance training as assigned.
- Complete other tasks and special projects assigned by the Director of Lending and Credit Administration.
Minimum Requirements:
- Bachelor's degree in business, finance, or related field of study.
- 5+ years of direct experience underwriting and managing commercial loans in a banking environment.
- Thorough and technical knowledge of financial statements, cash flow analysis, and commercial loan structure.
- Direct experience with various commercial lending products including asset-based lines of credit, equipment lending, and real estate (term and construction financing).
- Direct experience with financial spreading and loan underwriting tools (Moody's, Sageworks, Encino, etc.).
- Exceptional ability to communicate proactively, clearly, and efficiently.
- Exceptional time management and task prioritization skills.
Manage the collection and review of borrower financials, third-party reports (appraisal, evaluation, environmental, etc.) and other required documentation to complete credit due dilligence.
Skills Required
- Bachelor's degree in business, finance, or a related field
- 5+ years of direct experience underwriting and managing commercial loans in a banking environment
- Thorough technical knowledge of financial statements, cash flow analysis, and commercial loan structure
- Experience with commercial lending products, including asset-based lines of credit, equipment lending, and real estate term and construction financing
- Experience with financial spreading and loan underwriting tools such as Moody's, Sageworks, or Encino
- Exceptional proactive, clear, and efficient communication skills
- Exceptional time management and task prioritization skills
What We Do
Accordia Bank is a Utah-based community bank serving individuals, families, and businesses with personal and business banking, mortgages, and digital services. Its lending includes commercial, agricultural, small-business, and construction financing, alongside SBA expertise. Through Accordia HSA+, it also serves consumers, employers, and benefits advisors nationwide as a custodian and administrator of health savings and other consumer-directed benefit accounts. The bank emphasizes local service and decision-making.
