How will this role impact First Command?
The Loan Portfolio Manager is responsible for managing and monitoring a designated commercial loan portfolio to maintain strong credit quality, compliance with loan terms, and adherence to bank policies. This role includes ongoing portfolio oversight, financial analysis, covenant monitoring, and the identification and management of emerging credit risks within the portfolio, including criticized or underperforming credits.
The Loan Portfolio Manager works closely with lenders, credit analysts, and other internal partners to support prudent credit administration and effective portfolio management. The position requires strong analytical skills, sound credit judgment, and the ability to communicate effectively with both internal stakeholders and borrowers to ensure timely financial reporting, covenant compliance, and appropriate risk management.
What will you be doing in this role?
Loan Portfolio Management
- Manage and monitor the performance of a designated commercial loan portfolio.
- Conduct in-depth financial analysis and periodic reviews of borrowers' financial health to assess creditworthiness and identify emerging risks.
- Maintain accurate and timely risk ratings for assigned relationships and recommend rating changes when borrower performance or credit conditions warrant.
- Identify emerging credit concerns within the portfolio and escalate material issues to lenders and management in a timely manner.
- Work with lenders to evaluate renewals, modifications, and extensions for existing credit relationships.
- Provide input on loan structure, terms, and covenant packages to support prudent credit administration and protect the bank’s interests.
- Assist credit analysts in credit analysis, underwriting, and portfolio management best practices.
Credit Administration
- Prepare credit memoranda, annual reviews, and other portfolio monitoring documentation in accordance with bank policy.
- Monitor covenant compliance and financial reporting requirements, following up with borrowers and lenders when reporting is incomplete or covenants are not met.
- Maintain accurate credit files and portfolio documentation consistent with regulatory expectations and internal standards.
- Coordinate with internal partners, including Loan Operations and Compliance, to support sound credit administration and documentation.
Problem Loan Management
- Monitor loans showing signs of deterioration and proactively identify emerging credit concerns within the portfolio.
- Manage criticized and classified credits within the assigned portfolio, including ongoing financial analysis, borrower communication, and documentation of repayment capacity.
- Work with senior management to develop and implement appropriate action plans, which may include enhanced monitoring, covenant modifications, restructures, or other remediation strategies.
- Maintain appropriate risk ratings and ensure timely reporting and documentation of problem credits in accordance with bank policy and regulatory expectations.
- Coordinate with internal stakeholders as necessary to protect the bank’s position and support effective resolution of problem credits.
Client Relationship Support
- Maintain professional working relationships with borrowers in support of financial reviews, reporting requirements, and covenant discussions.
- Coordinate with Loan Operations to obtain required borrower information and documentation.
Process Improvement
- Identify opportunities to improve portfolio monitoring processes, reporting, and documentation practices.
- Support departmental initiatives that enhance efficiency, data accuracy, and overall credit administration.
What skills & qualifications do you need?
Education
- Bachelor’s degree in Finance, Accounting, Business Administration, or a related field required.
- Professional credit training (e.g., RMA, formal bank credit training program) preferred.
Work Experience
- Minimum of 5-years of experience in commercial lending, credit analysis, or portfolio management, with exposure to commercial loan underwriting and credit monitoring. Experience with SBA and professional practice lending, preferred.
Knowledge, Skills, and Abilities
- Experience analyzing financial statements and assessing credit risk for commercial borrowers.
- Familiarity with commercial and industrial lending, professional practice lending, and commercial real estate lending structures.
- Understanding of loan documentation, covenant monitoring, and portfolio risk management
- Ability to identify emerging credit concerns and communicate findings clearly to lenders and management.
- Strong organizational skills with attention to detail and the ability to manage multiple relationships simultaneously.
- Effective communication and collaboration skills when working with internal partners and clients.
- Ability to manage complex borrower situations, including criticized or underperforming credits, in coordination with management.
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