Senior Commercial Portfolio Manager

4 days ago


Denver, Colorado, United States MRI Spokane Full time
Job Summary

The Senior Commercial Portfolio Manager will oversee a portfolio of commercial credits and collaborate closely with Commercial Bankers to deliver exceptional solutions to clients. This role focuses on converting commercial loan opportunities generated by Bankers and supporting teams in client meetings.

Key Responsibilities
  • Partner with Commercial Bankers on new deals and existing loans, structuring commercial credits based on bank guidelines and client needs.
  • Manage loans through the approval process, interacting with clients and owning the underwriting process for each loan.
  • Work with Credit Analysts to review financials and complete credit presentations.
  • Collaborate with the Commercial Loan Administration team to generate loan documents and closing packages.
  • Maintain a strong understanding of cash flow analysis, collateral evaluation, and financial analysis.
  • Identify risks in proposed transactions and introduce controls to mitigate risks.
  • Ensure the quality, integrity, and soundness of all analysis, underwriting, client satisfaction, and credit approval processes for assigned portfolios.
  • Conduct regular reviews of loan covenants and financial data for all loans within assigned portfolios.
  • Continuously monitor portfolio performance and visit clients to understand their business performance, identifying early warning signs of changes in risk and credit quality.
  • Prepare detailed annual reviews of existing credits as designated.
  • Provide ongoing reviews of credit quality, changes in risk, compliance with loan covenants, and compliance with the bank's credit policy.
  • Proactively manage credit risk and exposure for assigned portfolios, monitor collateral, and initiate changes in risk ratings and manage loan term or covenant modifications.
Requirements
  • 7-10+ years of credit portfolio management experience, including leading the proposal of appropriate terms and financial covenants based on identified key risks and underwriting a broad range of C&I transactions in various industries.
  • Bachelor's degree in Finance or Accounting strongly preferred; MBA, CPA, or CFA strongly preferred.
  • Strong working knowledge of financial statements and accounting standards required.
  • Robust experience with credit policies and completion of a formal commercial credit training program.
  • Experience with financial statement analysis and completion of financial projections using Moody's RiskAnalyst software.
  • Experience with projecting financial performance and using discounted cash flow analysis to determine enterprise value is preferred.
  • Ability to work in a team environment and interact well with coworkers, external clients, and management.


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