Client-Facing Commercial Portfolio Manager

Reading Cooperative Bank; Reading (MA); On-site; USD 90,000 - 130,000; Full time

Benefits offered by this job

Medical plans with HSA/HRA options

Dental and vision coverage

Flexible spending accounts (FSA)

Disability insurance

Employee Assistance Program (EAP)

Generous paid time off

Tuition assistance

Job summary

Reading Cooperative Bank is seeking a Commercial Portfolio Manager to join our commercial lending team. This hands-on role manages a portfolio of commercial relationships, underwrites new loans and renewals, and participates in client calls and site visits to drive growth and risk mitigation.

The ideal candidate has solid credit training, strong analytical skills, and enjoys both the numbers and people side of banking. Path toward a Commercial Lender role is available.

Qualifications

• Bachelor's degree in business, finance, accounting, or related field.
• 3–5 years of commercial credit, underwriting, or portfolio management experience.
• Formal commercial credit training or similar work experience.
• Ability to analyze financial statements and tax returns and assess repayment capacity.
• Working knowledge of loan documentation, credit policy, and banking compliance requirements.

Responsibilities

• Manage an assigned portfolio of commercial relationships, including CRE, C&I, construction, lines of credit, and term loans.
• Obtain annual financial information from clients; track financial reporting and covenant compliance.
• Analyze financials on existing relationships and prepare annual review memos.
• Analyze and underwrite new loan requests and renewals: cash flow, collateral, spreads, guarantor strength, and market analysis.
• Discuss deal structure, cash flow, collateral, and borrower character with lenders; recommend alternative structures or products.
• Work with attorneys, CPAs, appraisers, and other professionals to support underwriting and closing.
• Handle smaller commercial and small business requests directly, from application through closing, up to $250,000 through streamline process.
• Accompany lenders on prospect and client calls; interact with clients regularly in person and by phone.

Skills

Credit analysis

Client engagement

Financial statements analysis

Microsoft Office

Spreading software

Education

Bachelor's degree in business, finance, accounting, or related field

Tools

Microsoft Excel

Spreading software

Job description

Reading Cooperative Bank is seeking a Commercial Portfolio Manager to join our commercial lending team. This hands-on role manages a portfolio of commercial relationships, underwrites new loans and renewals, and participates in client calls and site visits to drive growth and risk mitigation.

The ideal candidate has solid credit training, strong analytical skills, and enjoys both the numbers and people side of banking. Path toward a Commercial Lender role is available.