Job Description

Note: This position is not eligible for relocation assistance. All candidates must be able to work as a W2 employee for any employer in the US. (The role is not eligible for those requiring sponsorships now or in the future.)

Title: Commercial Banking Portfolio Manager

Type of role: Direct-hire (Hybrid 3-4 days in office)

Location: Charlotte, NC

Industry: Banking

Compensation: $115K – 140K (Based on experience and 20-30% bonus opportunity)

About this role:

Our client is seeking a Mid-Corporate PM Associate in Commercial Banking to work in partnership with a small deal team that provides research, analysis, and underwriting to prepare recommendations to extend credit and monitor existing credit relationships. Learn more about the career areas and lines of business at company website.

In this role, you will:

• Focus on managing a complex credit portfolio of account relationships in Mid-Corporate Portfolio Management within Commercial Banking

• Assist with financial modeling and projections, credit analysis, and industry or business risk analysis, in support of loan structuring decision making activities for Mid-Corporate sized companies

• Support senior staff in credit underwriting that accounts for all risk factors and providing risk rating recommendations

• Present recommendations for resolving complex situations and exercise independent judgement while developing expertise in the function, policies, procedures, and compliance requirements

• General responsibilities include working with senior management, relationship managers and credit to originate, monitor, and grow Mid-Corporate relationships

• Specifically accountable for credit underwriting and origination, portfolio monitoring, renewals and annual reviews, and coordination of pricing for revenue growth and relationship profitability

• Manage and promote the maintenance of a portfolio that adheres to all applicable credit policies and compliance requirements

• Work with clients directly to understand credit needs and represents the bank in developing and maintaining client relationships

• Provide guidance to and assist with development of less experienced team members

Required Qualifications:

• 5+ years of Commercial Banking Portfolio Management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Desired Qualifications:

• Underwriting experience including advanced commercial or specialty group relationship portfolio credit

• Ability to perform in depth commercial financial statement analysis

• Credit analysis skills for leveraged credits

• Experience originating, structuring, and executing bank lending transactions and other credit related products, for critical or complex clients

• Knowledge and understanding of risk management and complex credit executions related to acquisition financing and bridge underwriting

• Knowledge and understanding of credit policy, loan servicing, risk management, and group underwriting requirements

• Knowledge and understanding of rates and collateral requirements

• Knowledge and understanding of commercial and specialty group banking products and services

• Knowledge and understanding of debt and equity capital markets

• Advanced Microsoft Office skills, including using Excel for financial analysis and projection modeling

• Excellent verbal, written, and interpersonal skills, including ability to present to decision makers and customers in a professional and confident manner

• Experience with CreditView and/or nCino

• A BS/BA degree or higher (Finance, Economics, Accounting preferred)

Job Expectations:

• Ability to travel up to 10% of the time

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