Commercial Banking Portfolio Manager

Johnson Financial Group; Wisconsin; On-site; USD 55,000 - 85,000; Full time

Job summary

Johnson Financial Group is seeking a Portfolio Manager to ensure timely reviews and renewals of commercial loans and to monitor covenants. The role includes partnering with relationship managers on business development and client meetings.

You will analyze financials, assess risk, and maintain loan documentation, while aiming to enhance the customer experience and position JFG as a trusted financial partner.

Qualifications

• 2 to 4 years credit analysis or underwriting experience.
• Knowledge of lending policies, procedures, and risk.
• Experience writing loan presentations with risks and mitigants.

Responsibilities

• Ensure timely reviews and renewals of commercial loans.
• Provide financial analysis and risk assessment of customers.
• Monitor annual maturities and renewals to avoid past due loans.
• Conduct periodic reviews for borrowers needing frequent monitoring.
• Research loan structure changes with relationship managers.
• Due diligence and review of loan documentation.
• Maintain tickler reports and support RM in client service.

Skills

Credit analysis

Underwriting

Cash flow analysis

Collateral evaluation

Credit software

MS Office

Oral and written communication

Decision making

Education

Bachelor's degree preferred

Tools

Credit software

Job description

Overview

Under the guidance of the Regional President, the Portfolio Manager is responsible for ensuring timely reviews and renewals of commercial loans. Also responsible for interim monitoring of covenants and other conditions of credit as applicable. Will periodically accompany RM on business development calls or attend client meetings.

Key Responsibilities

• Demonstrates full and complete understanding of JFG loan policies and procedures.
• Provides accurate financial and statistical analysis as well as sound risk assessment of new and existing bank customers.
• Ensures that annual loan maturities and renewals are completed to avoid administrative past due loans.
• Performs periodic reviews for clients where more frequent monitoring is warranted (i.e., criticized loans, adverse actions, watch list, etc.).
• Works with RM’s to research and resolve situations where changes in loan structure may be necessary due to borrower, market, or industry changes.
• Responsible for due diligence and review of loan documentation.
• Manages “tickler” reports for assigned portfolio and of the RM’s assigned to assist.
• Is jointly responsible with RM to enhance the customer experience so JFG is viewed as the “First Choice,” value-added, and trusted financial services provider.

Qualifications

• 2 to 4 years credit analysis or underwriting experience required.
• Working knowledge of lending policies and procedures, principles, and philosophy.
• Demonstrated experience in effectively writing/reviewing loan presentations that identify key risks and mitigants as well as conducting cash flow analysis and collateral evaluation.
• Demonstrated experience utilizing credit software to capture credit applications; above-average PC skills including MS Office Applications (Word, Excel).
• Good oral and written communication skills.
• Ability to make timely, sound recommendations to senior management while ensuring bank policies and procedures are met.
• Working knowledge of general business and industry trends, risk management, etc.
• Bachelor’s degree preferred.

Come as you are.

Our culture embraces diversity, equity, & inclusion; one where everyone feels valued and heard. For more information on JFG's culture and diversity efforts, including our employee resource groups, please visit the Diversity section of our career website.