Healthcare Jobs 2026 (Now Hiring) – Smart Auto Apply

Thank you for your interest in our company! To apply, click on the button above. You will be required to create an account (or sign in with an existing account). Your account will provide you access to your application information. The email address used in establishing your account will be used to correspond with you throughout the application process. Please be sure and check the spam folder. You may review, modify, or update your information by visiting and logging into your account.

JOB FUNCTION / SUMMARY:

Working under the direct supervision of a Portfolio Group Manager, Senior Group Sales Manager or Market President, the Commercial Portfolio Manager 4 is a significant supporting member of the client's Credit Delivery Team, i.e., Relationship Manager (RM), Commercial Client Administrator (CCA), market leadership, credit officer, etc. Adhering to the guidance of bank policy and standards, this position's primary responsibilities include credit analysis, underwriting, and portfolio management. The assigned portfolio will primarily consist of Wholesale Banking relationships representing a range of industries including general C & I, manufacturing, distribution, professional services, transportation, and specialties. The loan portfolio will include, but is not limited to, lines of credit, term notes, owner-occupied real estate, and ancillary credit exposure products. The position will also assist the RM in identifying and recommending new prospective clients to grow the portfolio and cross-sale opportunities to strengthen existing client relationships. The Commercial Portfolio Manager 4 will be assigned to manage a loan portfolio of complex Wholesale Banking credits. The portfolio will typically represent 20 - 25+ relationships and $175+ million in total commitments (will vary by market).

ESSENTIAL DUTIES & RESPONSIBILITIES:

• Effectively partners with RMs, market leadership, senior management, and credit officers to originate, monitor, maintain and grow profitable Wholesale Banking relationships.
• Perform due diligence, credit analysis, underwriting, recommend borrower, and facility risk assessment ratings and preparation of credit approval packages for new and existing loans, extensions, modifications, and amendments.
• Perform on-going portfolio management, monitoring, and risk management activities to confirm that relationships adhere with established credit policy, procedures, and business strategy, as well as commercial and regulatory guidelines.
• Ensure loan agreements are accurately documented as approved, are added to the master loan agreement tracking reports and monitored for compliance.
• Prepare annual or administrative reviews to assess client and guarantor financial performance, covenant compliance, and to update borrower and facility risk ratings. Ensure that reviews are completed within established target review dates.
• Effectively communicates with various internal business partners, i.e., loan operations, credit services, credit review, audit, treasury services, etc., engaging them as appropriate throughout the underwriting and portfolio management process.
• Performs reviews and forms opinions on third-party prepared due-diligence documents (appraisals, environmental reports, inspections, construction budgets, projections, etc.)
• As necessary, work with outside legal counsel in the preparation and review of attorney prepared loan documentation, resolving documentation issues, etc.
• As appropriate, participate with RMs in client/prospect calls in order to gain a thorough understanding of the client/prospect and their business.

ADDITIONAL DUTIES

• Partners with the RM in preparing the due diligence and analysis required for the preparation of an opportunity memo for new-to-bank client relationships.
• As appropriate, partners with the RM as a point of contact for the client or liaison to the Credit Delivery Team and other business partners.
• As appropriate, participates with the RM in the discussions and presentation of credit requests to local market leadership and credit officers.
• Works closely with the RM and CCA to assist with client servicing, collecting borrower, and guarantor financials, transaction information, monitoring loan maturities and past due loans, etc. Review borrowing base certificates, verification of liquidity, and other periodic documentation in accordance with applicable loan agreement monitoring.
• Periodically review the borrower's electronic file depository to assess for the completeness of files and that documents are accurately filed.
• Monitors client operating performance against original underwriting and projections upon receipt of required reporting information.
• Verifies that coding, borrower and facility risk rating assessments (and dates) and expected loss ratios are accurate and correctly recorded on the loan system.
• Conducts the appropriate due diligence and industry and market analysis to evaluate client and guarantor credit capacity and quality.
• Keeps informed of current economic conditions and legislation which may affect client relationships and the Wholesale Line of Business.
• Performs pre-closing documentation review of new/renewal lending documents, both internally and externally prepared, inspecting for completeness and accuracy in accordance with the loan approval.
• Works closely with the RM and CCA to monitor and resolve document exceptions that may arise including, but not limited to, loan coding, collateral, and critical documentation exceptions, etc. As required, actively participates on the loan agreement exception tracking calls.
• Promptly notifies the Director of Portfolio Management and Underwriting of any upward or downward (numerical) movement in a client's borrower risk assessment.
• As appropriate, assists in the preparation of Watch Reports and is available to make presentations to Watch Committee as needed.
• As required, respond timely to credit review to answer questions and provide any missing documentation.
• Continue to develop advanced underwriting skills and analytical techniques through interactions with their manager, credit officers and other senior associates.
• Safeguards all client information in adherence to bank guidelines, including personal client data, account data, and other sensitive information.
• Support and assist other Portfolio Managers as team workload dictates.
• As needed, participates in special projects, as lead or contributor.
• Openly exchanges ideas and opinion and expresses concerns.
• Maintains a working knowledge of bank policies and procedures regarding applicable federal, state, and local banking and industry related laws and regulations applicable to the position, including but not limited to, Anti-Money Laundering, Gramm-Leach-Bliley, OFAC, CRA, Fair Lending, Bank Secrecy Act, etc.
• Ensures timely and successful completion of all annually required bank training assignments.
• Responsible to report any procedure or process that doesn't meet regulatory requirements including fraud, whether suspected or confirmed, to management. This reporting can be directly made to management, including Human Resources or Corporate Security, or can be reported anonymously via the Integrity in Action hotline.
• Responsible for identifying and recommending cross-sell opportunities of ancillary bank products including, but not limited to, Treasury Services, International Banking, Equipment Finance, Private Banking, etc.
• Annual involvement in at least one (1) civic, community or industry-related activity is strongly encouraged.

SUPERVISORY RESPONSIBILITIES:

May Supervise

MINIMUM REQUIRED EDUCATION, EXPERIENCE & KNOWLEDGE:

• Bachelor's degree is required. A Bachelor's degree in Business Administration, Finance, Accounting, or related field is preferred
• 7+years of credit analysis, underwriting, portfolio management, relationship management, or a combination of related commercial banking experience
• Successful completion of an on the job credit analysis training or certificate program is required
• Advanced skills in underwriting larger complex commercial credits, and knowledge and experience with syndication and participation credits is preferred
• Excellent verbal, written, and interpersonal skills.
• Ability to read, analyze and interpret business periodicals, professional journals, technical procedures or governmental regulations; to write reports, business correspondence and procedure manuals; effectively present information and respond to questions from groups of managers, clients and the general public
• Advanced skills
• Ability to read, analyze, and interpret business and personal financial statements and federal/state tax returns
• Knowledge of non-credit bank products and services
• Credit, risk management and negotiation skills
• Understands and is capable of correctly applying business principals and financial ratios
• Analytical and financial analysis skills
• Capable of quick, on-the-spot calculations with a financial calculator
• Understands macro and micro economic issues as they apply to business
• Understands risks (market, interest rate, leverage, etc.) as it applies to the lending process
• Knowledge of loan documentation, loan agreements, loan structuring, collateral perfection and liens, general business contracts, etc.
• Understanding of lending policy and procedures and underwriting and regulatory guidelines
• Ability to deal with a variety of instructions furnished in written, oral, diagram, or schedule form
• Ability to multi-task and work under tight timelines
• Self-motivated and well organized
• Ability to work independently with minimal supervision
• Ability to use sound logic to solve problems with effective solutions
• Collaborative and highly coachable
• Customer service orientation
• Presentation skills
• Intermediate skills
• Computer literate with ability to quickly learn new software systems; proficient in Microsoft Office Suite of products

ESSENTIAL MENTAL & PHYSICAL REQUIREMENTS:

• Ability to travel if required to perform the essential job functions
• Ability to work under stress and meet deadlines
• Ability to operate related equipment to perform the essential job functions
• Ability to read and interpret a document if required to perform the essential job functions
• Ability to lift/move/carry approximately 25 pounds if required to perform the essential job functions. If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department/division an "undue hardship" then the employee must be accommodated; hence omitting lifting/moving/carrying as a physical requirement.

Equal Opportunity/Affirmative Action Employers. All qualified applicants will receive consideration for employment without regard to race, color, religious beliefs, national origin, ancestry, citizenship, sex, gender, sexual orientation, gender identity, marital status, age, physical or mental disability or history of disability, genetic information, status as a protected veteran, disabled veteran, or other protected characteristics as required by federal, state and local laws.