Sr. Portfolio Manager

The Sr. Commercial Portfolio Manager supports commercial lending by managing an assigned loan portfolio, analyzing credit risk, structuring loan requests, and partnering with Commercial Relationship Managers to deliver responsive client service. This role combines financial analysis, portfolio monitoring, loan documentation support, and cross-functional collaboration to help maintain credit quality, regulatory compliance, and a strong client experience in a fast-paced banking environment. Expectations:

• Manage and support an assigned commercial loan portfolio, including servicing, monitoring, renewals, and ongoing portfolio maintenance.
• Partner with Commercial Relationship Managers to structure credit requests, support new loan originations, and facilitate annual reviews and renewals.
• Analyze financial statements, tax returns, collateral, borrowing base reports, covenant compliance, and other credit indicators to assess risk and identify trends.
• Coordinate loan documentation, commitment letters, closing requirements, and post-closing follow-up to ensure accuracy and timely completion.
• Monitor portfolio performance, identify emerging credit issues, recommend risk rating changes, and escalate concerns to appropriate stakeholders.
• Manage collateral-related requirements, including appraisals, environmental reports, inspections, and other third-party due diligence.
• Communicate with clients, attorneys, appraisers, inspectors, and internal partners to support loan closings, portfolio servicing, and an excellent client experience.
• Prepare portfolio reports, maintain accurate records, and support internal audits, loan review activities, and regulatory examinations.
• Ensure compliance with bank policies and all applicable regulations, including BSA, AML, CIP, and OFAC requirements.
• Support special projects, continuous process improvement, and professional development as assigned.

Qualifications and Education Requirements:

• Bachelors degree in Finance, Business, Accounting, or a related field preferred; equivalent banking experience may be considered.
• 3-5 years of experience in commercial portfolio management, commercial lending, credit analysis, or a related banking role.
• Working knowledge of commercial lending products, including C&I and commercial real estate, as well as financial statements, tax returns, and loan documentation.

Competencies:

• Excellent interpersonal skills.
• Proficient in Microsoft Excel and Word.
• Strong organizational skills and high attention to detail.
• Willing to assist and collaborate with coworkers and clients on a regular basis.
• Be an effective and active listener, able to understand the opportunities/issues, and propose solutions.
• Possesses multi-tasking skills and function well under pressure.
• Ability to remain composed under pressure and respond to clients and coworkers regularly.
• Patience and willingness to help others in solving problems while maintaining a positive attitude.
• Openness to wearing multiple hats and being a team player.
• Ability to establish effective working relationships among team members.
• Present and express ideas and information clearly and concisely in a manner appropriate to the audience, whether verbally or written.

M C Bank is an Equal Opportunity / Affirmative Action employer, committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, religion, sex, sexual orientation, age, national origin, disability, protected veteran status, or any other factor protected by applicable federal, state, or local laws. All hiring decisions are based on qualifications, merit, and business needs. ```