Commercial Portfolio Manager Job Description

Commercial Portfolio Manager Job Description

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Commercial portfolio manager provides team with Financial Statement Spreading and other risk analysis tasks to support accurate and timely presentation of credit approval packages to the proper credit authority.

Commercial Portfolio Manager Duties & Responsibilities

To write an effective commercial portfolio manager job description, begin by listing detailed duties, responsibilities and expectations. We have included commercial portfolio manager job description templates that you can modify and use.

Sample responsibilities for this position include:

Ensure the portfolio administration and risk management of each client relationship is in compliance with established credit policy, procedure and business strategy commercial and regulatory guidelines
Manage, analyze, underwrite and monitor to bank guidelines all assigned commercial relationships by obtaining and analyzing appropriate financial data to determine the continuing merit of specific relationships and assess/recommend risk or structure modifications appropriately aggressively managing the client relationship
Manage the renewal process by working with the Commercial Support Staff, the client and the credit department
Prepare monthly reports to monitor the performance of the commercial portfolio for self, management and possibly investors
Keeps informed of current economic conditions and legislation which may affect customer relationships and the Commercial Line of Business
Proactively identify risk and reward characteristics of C&I portfolio aggregating to $40 Billion exposure
Maintain a forward looking view of risk and opportunities incorporating market pricing and industry level asset allocation for C&I portfolio
Steer C&I originations through well informed and structured industry analysis
Develop and implement new portfolio reporting and statistical approaches for continual monitoring of credit risk in the portfolio, identify trends in the portfolio / market and forecast likely outcomes
Help develop the concentration risk methodology and continually monitor the portfolio through this lens

Commercial Portfolio Manager Qualifications

Qualifications for a job description may include education, certification, and experience.

Licensing or Certifications for Commercial Portfolio Manager

List any licenses or certifications required by the position: RM, CCA, PMP, UCC, FRSC, CMFO

Education for Commercial Portfolio Manager

Typically a job would require a certain level of education.

Employers hiring for the commercial portfolio manager job most commonly would prefer for their future employee to have a relevant degree such as Bachelor's and Collage Degree in Finance, Accounting, Business, Economics, Business/Administration, Education, Management, Statistics, Real Estate, Finance/Accounting

Skills for Commercial Portfolio Manager

Desired skills for commercial portfolio manager include:

Loan documentation
Credit analysis
Spreading and analyzing financial statements
Credit scoring
Related lending
Commercial
Businesses
Customers
Prospect opportunities
Processes

Desired experience for commercial portfolio manager includes:

Develop summary portfolio reports and strategy presentations for senior management
2 years of experience in quantitative analysis or industry/equity research
Master’s degree in engineering, math, statistics, economics or business
5 years of experience interpreting financial data
1 year of experience identifying business implications of industry trends or credit data
CFA/ FRM designation

Commercial Portfolio Manager Examples

1

Commercial Portfolio Manager Job Description

Job Description Example
Our innovative and growing company is looking to fill the role of commercial portfolio manager. We appreciate you taking the time to review the list of qualifications and to apply for the position. If you don’t fill all of the qualifications, you may still be considered depending on your level of experience.
Responsibilities for commercial portfolio manager
  • Supports the Department Manager, Team Leader, and/or Relationship Managers in their sales and credit underwriting efforts as it relates to construction administration
  • Undertake analysis of industries and relevant peer groups within them to determine key industry drivers and how these affect individual market participants
  • Managing the credit transactions process
  • Evaluation, booking and management of collateral relating to loans
  • Oversee loan/deposit portfolios for assigned portfolio of relationships
  • Supports the Relationship Manager in monitoring on on-going basis information concerning customer performance as it relates to the successful completion of the project to provide information to the relationship manager to determine that loan is an acceptable risk
  • Maintains up to date understanding of primary loan market pricing and structuring trends and secondary market levels for broadly syndicate exposure
  • Proactively identifies opportunities for exposure reduction or increase to properly manage over risk and return parameters of the assigned loan portfolio
  • Serves in a credit leadership role by actively participating in the training of junior teammates to help build a best-in-class credit organization
  • Primary point of a contact for the portfolio client
Qualifications for commercial portfolio manager
  • Excellent portfolio management abilities, analytical and problem solving skills, and credit and credit quality skills
  • Minimum of 5 to 7 years of previous Banking / Loan / Deposit or Sales experience
  • Minimum of three to five years previous Banking / Loan / Deposit or Sales experience
  • Minimum of 2 year previous Banking / Loan / Deposit or Sales experience
  • Graduate of a wholesale banking training program OR equivalent prior experience
  • Minimum of 8 years’ experience ideally in the Commercial Real Estate environment
2

Commercial Portfolio Manager Job Description

Job Description Example
Our company is looking for a commercial portfolio manager. To join our growing team, please review the list of responsibilities and qualifications.
Responsibilities for commercial portfolio manager
  • Assists Portfolio Managers and other members of the Credit Delivery team in the structuring, underwriting, and loan documentation negotiations of/for more complex and involved credit transactions
  • Coordinates proactive resolution of all credit issues between, Middle Market and Commercial Bankers, Portfolio Managers and Credit Administration while maintaining efficient production
  • Will make presentations on specific loans and recommend approval and appropriate structure of credits
  • Act as a contact manager for relationships within portfolio for matters relating to other banking services
  • Key interface for the region between banking teams and credit
  • Assures that portfolio and specific credits align with credit policy and regulatory standards
  • Responsible for the oversight and performance of assigned loan portfolio including resolving escalated issues, as needed
  • Obtain payment arrangements, as needed
  • Determine best asset performance strategy (upon default or eminent default) by acquiring/analyzing financial information, examining loan documents and understanding market conditions
  • Management of portfolio to decrease delinquencies and maintain current roll-rates
Qualifications for commercial portfolio manager
  • Ensures loan agreement is in accordance with approval documents
  • Possesses exceptional conceptual ability, problem solving and knowledge of industry best practices
  • Has a proven track record of timely, cost-effective and industry-leading delivery
  • Plans and executes work that will benefit the entire organization
  • Understanding of current technology trends and how these can be applied to Business Partners’ objectives
  • Ability to translate broad, strategic intent into tactical and operational plans
3

Commercial Portfolio Manager Job Description

Job Description Example
Our company is growing rapidly and is searching for experienced candidates for the position of commercial portfolio manager. We appreciate you taking the time to review the list of qualifications and to apply for the position. If you don’t fill all of the qualifications, you may still be considered depending on your level of experience.
Responsibilities for commercial portfolio manager
  • Review completed property inspections for overall health of property
  • Identify and resolve significant property issues and seek borrower rectification of the same
  • Administer individual portfolio Watchlist reporting to proactively identify property and borrower’s issues
  • Manage assets to ensure receipt of updates for tax, insurance, escrow accounts
  • Obtain working knowledge of the servicing agreements directing investor requirements through loss mitigation strategies
  • Coordinate with internal departments for management of assets
  • Tracks and resolves document exceptions related to closing and ongoing exceptions
  • Represent services on product or solution core teams and provide service requirements into product development stages/phases, , product warranty support and cost analysis, and Service Product Marketing content/collateral
  • Support regional teams with service problems that require rapid resolution
  • Follow up with borrowers, attorneys, internal departments and 3rd parties to complete and close out workout transactions
Qualifications for commercial portfolio manager
  • Thorough knowledge of credit products, commercial lending policy, all applicable laws and regulations, credit quality standards, company and business line policies and procedures
  • 5 years of analytical experience within financial services, commercial banking, or consulting
  • 5+ years of credit analysis and/or loan review experience, preferably in the banking industry
  • Five (5) years of commercial and/or corporate banking experience
  • Anticipates Business Partner needs and develops a reputation for responsiveness
  • Ensures success of change implementation through business strategy improvement and effective communication strategy
4

Commercial Portfolio Manager Job Description

Job Description Example
Our innovative and growing company is hiring for a commercial portfolio manager. If you are looking for an exciting place to work, please take a look at the list of qualifications below.
Responsibilities for commercial portfolio manager
  • Review completed property inspections for overall property condition
  • Ensures funding of construction loan disbursements in accordance with bank policy
  • Serves as an extension of the Sr
  • Performs a variety of sales activities in an inside sales capacity
  • Serves as a bridge between Credit and Sales
  • Performs account administration activities
  • Represents the face of IT to the business area they support
  • Serves as the front-end of IT to assigned business areas to facilitate matching business needs and options
  • Assist the business with selecting the most appropriate products and services considering performance, quality, cost and value
  • Work closely with internal technology partner and external vendors to ensure proposed solutions integrate with the organization’s architecture and long-term capability plans
Qualifications for commercial portfolio manager
  • Advanced managerial leadership capabilities – communication, influence and negotiations, conflict resolution, people management, relationship management (internal & external) and multi-tasking
  • Fully capable of providing managerial direction for a broad, diverse, and complex organizational unit
  • Expert ability to manage multiple initiatives, high in complexity and of strategic importance to the organization
  • Proven ability to partner with clients to identify business challenges and effective strategies/alternatives to mitigate them
  • Possesses expert written, oral and interpersonal communications skills
  • Is able to conduct and direct research into architecture guidelines, technology capabilities, technology trends, and IT products
5

Commercial Portfolio Manager Job Description

Job Description Example
Our company is growing rapidly and is looking to fill the role of commercial portfolio manager. To join our growing team, please review the list of responsibilities and qualifications.
Responsibilities for commercial portfolio manager
  • Partner with the Commercial Relationship Manager as the point of a contact for the client
  • Attends meetings with customers
  • Ensure overall solution/implementation delivery for projects aligned to their business area(s) and responsible for project issue resolution
  • Perform testing as needed in response to requests for advances under any approved Development Lines and prepare credit memo to be signed by the Sr
  • Monitors group portfolio credit quality
  • Reviews market and industry analyses to understand macroeconomic and industry drivers
  • Works under direct supervision of the Portfolio Regional Mgr and/or Dir – Portfolio Management & Underwriting and in close partnership with the Market President
  • Coordinates workflow to ensure that all requests are handled in a timely manner balancing the need to quickly turnaround new requests while handling all renewals prior to maturity
  • Monitors and reports on Loan Agreement Compliance ensuring that bankers within the Market have identified and properly documented any exceptions
  • Monitors Payment Past Dues and coordinates communication with the Relationship Managers and other market leaders
Qualifications for commercial portfolio manager
  • Is able to present ideas in a business-oriented and customer-oriented fashion
  • Is highly self-motivated and self-directed
  • In depth expertise in Commercial business and some familiarity with IT project execution, 10+ years’ experience in the industry
  • Advanced experience in business, requirements management and project management/consulting
  • 10 or more years of commercial banking experience
  • Considerable negotiation and networking knowledge and ability

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