Portfolio Management Officer II

Job Summary

The Portfolio Management Officer supports the ongoing administration, monitoring, and credit quality of an assigned loan portfolio. This role works closely with Relationship Managers to ensure credit relationships align with the Bank’s credit culture, policies, and risk management standards. The position is responsible for monitoring portfolio trends, clearing exceptions, assisting with underwriting support, and escalating potential credit risks to management to preserve overall portfolio quality.

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Essential Duties & Responsibilities:

Assist Relationship Managers with transactional support, including financial statement analysis, background checks, and identification of potential credit policy exceptions.
Support the preparation of credit proposals, term sheets, and materials for the deal-screening process.
Monitor portfolio and individual loan relationship trends, including covenant compliance, maturities, delinquencies, and criticized assets.
Coordinate with Credit Administration, Underwriting, Loan Operations, Credit Risk, and other internal teams to ensure accuracy, timeliness, and credit quality.
Gather, organize, and submit documentation to support underwriting, annual reviews, and ongoing credit monitoring.
Perform covenant testing, assess potential risk rating changes, and escalate red flags related to deteriorating credit conditions.
Conduct project site visits and inspections and prepare findings reports.
Ensure compliance with BSA, USA PATRIOT Act, OFAC, AML, and all applicable internal policies and regulatory requirements.
Assist management with departmental initiatives and provide coverage during absences as needed.

MINIMUM REQUIREMENTS:

Bachelor’s degree in Business, Accounting, or Finance required; Master’s degree preferred
Formal credit training required
5+ years of experience in lending, portfolio management, or credit analysis
Strong knowledge of banking products, credit documentation, and underwriting standards
Thorough understanding of credit policies, procedures, and accounting principles
Proficiency in Microsoft Office Suite; SQL experience a plus
Experience with Salesforce, nCino, or FIS IBS preferred
Strong organizational, time management, and communication skills
Detail-oriented, well-organized, and proactive in identifying and managing credit risk

Portfolio Management Officer II

Job Summary

Essential Duties & Responsibilities:

MINIMUM REQUIREMENTS:

Apply Now

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