Overview

Description: Position SummaryThe Commercial Portfolio Manager II is responsible for the independent management and administration of assigned C&I commercial relationships. This role partners closely with Commercial Relationship Managers and Credit Administration to support portfolio quality, identify emerging risks and deliver responsive service to borrowers.The Commercial Portfolio Manager II performs independent credit analysis, manages routine and moderately complex portfolio relationships, and serves as a primary portfolio contact for assigned borrowers. This role specializes in investor and owner-occupied commercial real estate relationships by evaluating property performance, collateral quality, lease activity, and market conditions affecting commercial real estate portfolios. Essential Job ResponsibilitiesThe essential functions include, but are not limited to:Independently manages assigned portfolio relationships and ongoing servicing requirements.Monitors portfolio performance, covenant compliance, financial reporting requirements, and credit quality.Evaluates emerging risks and recommends risk rating changes and corrective actions when appropriate.Ensures portfolio compliance with Bank policies, procedures, and regulatory requirements.Performs independent financial statement analysis, cash flow analysis, global cash flow analysis, commercial real estate cash flow analysis, and credit risk assessment. Analyzes property operating statements, rent rolls, occupancy trends, debt service coverage, and collateral performance to evaluate credit quality. Assists in structuring and underwriting commercial real estate lending transactions, including owner-occupied, investor, acquisition, refinance, and construction lending opportunities.Prepares annual reviews, renewals, modifications, and credit approval packages for assigned relationships.Assists in structuring credit facilities and developing recommendations for routine and moderately complex transactions.Develops market, property, and borrower-specific risk assessments to support credit decisions. Serves as the primary portfolio contact for assigned borrowers regarding financial reporting, covenant compliance, renewals, and servicing matters.Participates in customer meetings and site visits and supports relationship development efforts.Coordinates with Commercial Relationship Managers to identify opportunities to strengthen customer relationships. Assists in evaluating and underwriting new commercial real estate lending opportunities. Prepares term sheets, commitment letters, and supporting documentation for new and existing relationships.Supports portfolio growth initiatives through proactive borrower engagement and relationship support.Provides guidance and support to less experienced Portfolio Managers and analysts.Demonstrates increasing expertise in commercial credit, portfolio management, and relationship management practices.Knowledge, Skill & AbilitiesBachelor's Degree in Finance, Accounting, Business Administration, Economics, or related field preferred.Minimum three (3) to six (6) years of commercial banking, credit analysis, portfolio management, or related experience. Strong knowledge of commercial credit underwriting, financial statement analysis, cash flow analysis, commercial real estate underwriting principles, and loan documentation. Knowledge of commercial real estate valuation concepts, lease analysis, debt service coverage, collateral evaluation, and commercial real estate market fundamentals preferred. Ability to independently evaluate borrower performance and credit risk.Strong written and verbal communication skills.Strong relationship management and customer service skills.Ability to manage multiple priorities with limited supervision.Preferred Experience:Experience supporting commercial real estate loan portfolios, including investor and owner-occupied properties. Experience analyzing commercial property cash flow, rent rolls, appraisals and collate