Commercial Portfolio Manager

Emprise Bank 2; Lawrence, Kansas City (KS, MO); On-site; USD 80,000 - 110,000; Full time

Benefits offered by this job

Competitive salary and benefits

Community involvement opportunities

Diversity & inclusion culture

Job summary

Emprise Bank in Lawrence, KS seeks a seasoned Commercial Credit Underwriter to coordinate underwriting of new and existing transactions, structure complex deals, and assess risk across diverse borrower profiles. The role includes mentoring junior staff and guiding credit discussions to support safe, profitable lending decisions.

You will ensure policy adherence, participate in renewals and annual reviews, and contribute to portfolio risk mitigation with proactive recommendations.

Qualifications

• Bachelor’s degree in business or related discipline, or level of education that, together with industry experience, enables the applicant to meet the job requirements
• Minimum of two years’ overall banking experience required in growth-oriented commercial or corporate lending environment with experience in portfolio management and/or underwriting
• Thorough knowledge of credit policies, procedures and terminology
• Excellent presentation, verbal, and written communication skills
• Proficiency with large server-based applications and typical desktop software
• Solid understanding of regulatory and compliance guidelines and requirements concerning all aspects of commercial credit

Responsibilities

• Coordinate/assist in underwriting process for both new and existing commercial transactions
• Demonstrates advanced proficiency in structuring complex credit transactions and assessing risk across diverse industries and borrower profiles
• Anticipates potential credit issues and proactively recommends solutions that align with the bank’s risk appetite and strategic goals
• Ensure that loan structure and pricing reflect both asset quality and return on equity expectations of bank
• Serves as a mentor to junior team members, providing guidance on credit structuring and decision-making
• Facilitate and participate in discussions with commercial lending staff and decision makers to advance credit approval process
• Contributes to the continuous improvement of credit processes and policy interpretation
• Collects and researches data and synthesizes financial data into meaningful terms
• Recognizes trends and patterns and identifies data relationships and dependencies
• Makes recommendations based on analysis
• Consistently delivers high-quality work, setting an example for others
• Monitor and manage portfolio activities individually and/or jointly with Relationship Manager, based on size and complexity of client relationship
• Provide leadership role in loan renewals, annual review and other regular reporting for existing loan relationships
• Review and monitor trends to ensure accurate risk rating and appropriate risk mitigation is in place at all times
• Proactively identifies opportunities and contributes to team success
• Additional responsibilities may include oversight of specific Commercial Segment including significant input regarding polices and processes to help manage performance and risk management across the bank
• Cultivates and sustains high-value relationships with both internal stakeholders and key clients
• Demonstrates empathy, openness to diverse viewpoints, and a collaborative mindset
• Serves as a trusted advisor and strategic partner
• Leads by example in fostering collaboration, resolving conflict, and expanding client relationships to support long-term growth and retention
• Proactively establish and maintain effective working relationships with all commercial related associates and functions
• Collaborate with others to maintain/improve overall processes and procedures while being sensitive to the voice of the client in daily interactions
• Encourage open communication and ensure that all parties have the opportunity to share concerns and opinions
• Demonstrates advanced understanding of business strategy, regulatory frameworks, and market forces
• Anticipates implications of credit decisions on profitability, risk, and customer relationships
• Aligns efforts with enterprise-wide goals and Emprise’s long-term vision
• Consistently exercises advanced-level judgment in complex credit and portfolio decisions
• Anticipates downstream impacts and integrates strategic, financial, and regulatory considerations
• Serves as a resource for peers and contributes to decision-making frameworks and policy refinement
• Stays current with regulatory activities and complies with legal and regulatory guidelines
• Ensures that credit decisions are appropriately documented

Skills

Communication skills

Credit policy knowledge

Regulatory knowledge

Underwriting experience

Education

Bachelor's degree in business or related discipline

Job description

• Coordinate/assist in underwriting process for both new and existing commercial transactions
• Demonstrates advanced proficiency in structuring complex credit transactions and assessing risk across diverse industries and borrower profiles
• Anticipates potential credit issues and proactively recommends solutions that align with the bank’s risk appetite and strategic goals
• Ensure that loan structure and pricing reflect both asset quality and return on equity expectations of bank
• Serves as a mentor to junior team members, providing guidance on credit structuring and decision-making
• Facilitate and participate in discussions with commercial lending staff and decision makers to advance credit approval process
• Contributes to the continuous improvement of credit processes and policy interpretation
• Collects and researches data and synthesizes financial data into meaningful terms
• Recognizes trends and patterns and identifies data relationships and dependencies
• Makes recommendations based on analysis
• Consistently delivers high-quality work, setting an example for others
• Monitor and manage portfolio activities individually and/or jointly with Relationship Manager, based on size and complexity of client relationship
• Provide leadership role in loan renewals, annual review and other regular reporting for existing loan relationships
• Review and monitor trends to ensure accurate risk rating and appropriate risk mitigation is in place at all times
• Proactively identifies opportunities and contributes to team success
• Additional responsibilities may include oversight of specific Commercial Segment including significant input regarding polices and processes to help manage performance and risk management across the bank

Relationship Management

• Cultivates and sustains high-value relationships with both internal stakeholders and key clients
• Demonstrates empathy, openness to diverse viewpoints, and a collaborative mindset
• Serves as a trusted advisor and strategic partner
• Leads by example in fostering collaboration, resolving conflict, and expanding client relationships to support long-term growth and retention

Teamwork

• Proactively establish and maintain effective working relationships with all commercial related associates and functions
• Collaborate with others to maintain/improve overall processes and procedures while being sensitive to the voice of the client in daily interactions
• Encourage open communication and ensure that all parties have the opportunity to share concerns and opinions

Business Acumen

• Demonstrates advanced understanding of business strategy, regulatory frameworks, and market forces
• Anticipates implications of credit decisions on profitability, risk, and customer relationships
• Aligns efforts with enterprise-wide goals and Emprise’s long-term vision

Judgment

• Consistently exercises advanced-level judgment in complex credit and portfolio decisions
• Anticipates downstream impacts and integrates strategic, financial, and regulatory considerations
• Serves as a resource for peers and contributes to decision-making frameworks and policy refinement

Compliance

• Stays current with regulatory activities and complies with legal and regulatory guidelines
• Ensures that credit decisions are appropriately documented

Other duties as assigned within the scope and responsibility of the job

Requirements

• Bachelor’s degree in business or related discipline, or level of education that, together with industry experience, enables the applicant to meet the job requirements
• Minimum of two years’ overall banking experience required in growth-oriented commercial or corporate lending environment with experience in portfolio management and/or underwriting
• Thorough knowledge of credit policies, procedures and terminology
• Excellent presentation, verbal, and written communication skills
• Proficiency with large server-based applications and typical desktop software
• Solid understanding of regulatory and compliance guidelines and requirements concerning all aspects of commercial credit

In addition to a competitive salary and benefits, Emprise offers professional growth, a rewarding and challenging environment, opportunities to be involved in our communities, and a culture of integrity, passion, and success.

At Emprise Bank, empowering people to thrive means having an all-inclusive culture that honors our commitment to all dimensions of diversity in our workforce and embraces inclusion of all people. People of color, women, LGBTQIA+, veterans, and persons with disabilities are encouraged to apply.

Emprise Bank is an EEO/AA/ADA/Veteran Employer/Member FDIC/Drug Free Workplace.

Emprise Bank participates in E-Verify and will provide your Form-I 9 to the federal government to confirm authorization to work in the United States.

Travel Required

No .

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.