Senior Portfolio Manager

About this role

Job Summary

The Senior Portfolio Manager partners closely with Regional Relationship Managers, Relationship Managers, Portfolio Bankers, and Portfolio Specialists to assess the financial condition, creditworthiness, and borrowing needs of both prospective and existing clients. This role is responsible for overseeing and directing Portfolio Bankers and Portfolio Specialists to ensure credit risk is effectively managed in alignment with the Bank's risk appetite, policies, and culture.

Additionally, the Senior Portfolio Manager provides leadership, coaching, and mentorship to the portfolio team, promoting adherence to sound lending practices and credit standards. The role also plays a key part in developing talent by training and supporting team members new to credit analysis and portfolio management.

Key Responsibilities

Manage, train, mentor, and coach Portfolio Bankers and Portfolio Specialists within the region. Monitor individual and team performance and provide ongoing training, coaching, and support as needed. Participate in the recruitment, interviewing, and hiring of high-quality lending professionals.

Direct and manage the region's underwriting pipeline and workflow to ensure credit requests are processed efficiently, completed in a timely manner, and all deadlines are met.

Review and approve underwriting analyses, credit recommendations, modification requests, and extension requests prior to submission to Credit Administration.

Analyze credit requests to assess borrowers' ability to qualify for financing and ensure loans are appropriately structured, risk-rated, and maintained within established lending authorities and limits.

Ensure portfolio administration and risk management activities for client relationships are conducted in accordance with established credit policies, procedures, strategic objectives, and applicable regulatory requirements.

Manage and monitor large and complex loan relationships by evaluating financing requests and determining the merits of proposed credit structures. Prepare and present formal recommendations to Regional Relationship Managers and Credit Administration.

Participate in client meetings to strengthen existing relationships, identify client needs, and proactively promote and cross-sell the Bank's products and services.

Maintain a minimum of two credit trainee and/or intern positions and oversee the development, implementation, and execution of training plans to support their professional growth.

Review underwriting and portfolio management processes and recommend continuous improvements, including the design of forms, development of procedures, enhancement of workflows, and creation of management reports to improve efficiency and effectiveness.

Monitor industry trends and analyze market and sector data to identify emerging risks and opportunities within the region's loan portfolio.

Compliance Responsibilities

Complies with all applicable state and federal banking laws, regulations, and internal policies related but not limited to lending, operations, and deposit requirements, including Bank Secrecy Act (BSA), Anti-Money Laundering (AML) requirements, Office of Foreign Assets Control (OFAC) regulations, Customer Identification Program (CIP) requirements, Financial Elder Abuse reporting laws, Sexual Harassment prevention policies, information security and privacy requirements.

Required Knowledge

Regulation E (EFT)

UCC

Bank Secrecy Act

Deposit Products

FDIC Insurance

Investment Products

Privacy Laws

Loan Products

Regulation BB (CRA)

Loan Documentation

Regulation B (ECOA)

Account Services

Regulation X (RESPA)

Trust Services

Regulation Z (Truth about Lending)

Bank Operations

Fair Credit Reporting Act

Knowledge, Skills and Abilities

Commercial loan underwriting, credit monitoring, and portfolio management

Credit policy and procedure expertise

Banking products and services knowledge

Market and industry analysis

Strategic judgment and decision-making

Advanced analytical and problem-solving skills

Relationship management and client service excellence

Cross-selling and business development

Consultative sales and product/service promotion

Public speaking and presentation skills

Strong verbal and written communication

Team leadership and people management

Training, coaching, and mentoring

Cross-functional collaboration

Building and fostering high-performing team environments

Professional communication with supervisors and colleagues

Time management and prioritization

Independent work and self-direction

Active listening and continuous learning

Telephone and client interaction skills

Proficiency in Microsoft Office Suite (Excel, Word, PowerPoint)

Strong English communication skills (written and spoken)

Equipment Operated

Operates standard electronic computers and customary office equipment required to perform e