AVP/Associate Portfolio Manager

Job Title: AVP/Associate Portfolio Manager Department: Commercial Lending Location: Corporate - Fayette Street Headquarters Reports to: VP/Portfolio Manager Job Type: Full-Time | ExemptPosition Summary The Associate Portfolio Manager plays a key role in supporting the credit underwriting, risk management, and portfolio monitoring functions of the commercial lending team. This role collaborates closely with loan officers, credit analysts, and senior leadership to assess creditworthiness, structure loan solutions, and manage ongoing client relationships. The ideal candidate will have strong analytical skills, an understanding of financial statement analysis, and a commitment to regulatory compliance and prudent risk management practices. Key Responsibilities Credit Analysis & Risk Assessment Analyze borrower financial statements, cash flow projections, and other documentation to assess creditworthiness and recommend lending solutions. Prepare detailed credit memoranda summarizing financial analysis, risk assessments, and credit recommendations for presentation to credit committees and senior management. Conduct in-depth due diligence, including industry analysis and collateral evaluation, to support informed credit decisions. Collaborate with loan officers and other stakeholders to structure credit facilities that meet client needs and align with the bank's risk appetite. Portfolio Management & Monitoring Monitor existing loan portfolios for credit performance, financial reporting compliance, and risk grading accuracy. Conduct periodic reviews to identify potential credit deterioration or opportunities for risk mitigation. Handle portfolio reporting, including past dues, documentation and collateral exceptions, and performance updates. Prepare and track annual financial statement collection letters and follow up with clients to ensure timely receipt. Compliance & Documentation Ensure credit packages and loan documentation comply with internal credit policies and regulatory requirements. Partner with internal departments to process approved credit actions and coordinate with legal counsel on special assets and workout relationships. Participate in audits and serve as a knowledge resource for internal/external compliance assessments. Review and validate credit declinations as part of the second review process and ensure timely issuance of regulatory-compliant declination letters. Client Service & Relationship Management Provide high-quality service to lending clients, including responding to ACH guidance line requests and addressing documentation needs. Develop and maintain strong relationships with clients, peers, and external stakeholders to support customer satisfaction and future business development. Qualifications Bachelor's degree in Finance, Accounting, Business Administration, or a related field (required). 1-3 years of experience in credit analysis, commercial lending, or portfolio management (preferred). Strong understanding of financial statement analysis, loan structuring, and credit risk fundamentals. Familiarity with regulatory guidelines and lending compliance requirements. Excellent written and verbal communication skills, particularly in preparing and presenting credit memoranda. Proficient in Microsoft Office (Excel, Word, PowerPoint) and financial analysis tools. Ability to work independently while managing multiple priorities in a deadline-driven environment. Comply with all federal and state regulations and rules impacting this position, meet all risk and compliance obligations, including the completion of required training. EOE DV