Commercial Portfolio Manager

Origin Bank; United States; On-site; USD 60,000 - 90,000; Full time

Job summary

Origin Bank in the United States seeks a Commercial Relationship Banker to manage assigned commercial loan relationships, deliver high-level client support, gather financial data, and prepare credit packages and term sheets for approval.

You will work with Relationship Managers and the lending team to monitor covenants, ensure compliance, and maintain timely financial information, contributing to credit risk management and strong client service.

Qualifications

• Bachelor's degree in Finance, Business, Accounting or related field.
• 1–3 years credit analysis and/or lending experience.
• Working knowledge of banking/lending laws and regulations.

Responsibilities

• Manage assigned commercial loan relationships and provide high level client support.
• Prepare credit packages, term sheets and commitment letters.
• Monitor covenants, borrowing base and loan documentation for compliance.
• Coordinate underwriting, review appraisals, and assist with credit approvals.
• Maintain timely receipt of financial information and support relationship managers.

Skills

Credit analysis

Relationship management

Financial documentation

Education

Bachelor's degree in Finance/Business/Accounting

Tools

Loan processing software

Job description

Your Career. Your Story. Let's Write the Next Chapter Together. At Origin Bank, a job isn't just a paycheck - it's a meaningful journey. We're committed to helping you grow both professionally and personally in an environment where people come first. We offer a competitive total rewards package, including generous benefits and compensation tailored to your skills, experience, and education. What truly sets us apart is our people-first culture. Here, you'll be supported by unique initiatives like our Dream Manager program, one-on-one guidance from a nationally certified health and wellness coach, and free access to certified financial professionals who are here to help you plan for your future. If you're looking for a career that empowers you to make meaningful connections, positively impact others, and pursue your personal and professional dreams-we'd love to meet you.

Job Description

Daily management of assigned commercial loan relationships for Commercial Relationship Banker’s (CRB’s), including providing a high level of customer support, obtaining financial and collateral information, monitoring covenant and borrowing base compliance, taking ownership of managing CRB exception lists, assisting in the preparation of the credit approval packages, preparation of term sheets and commitment letters, and documenting and closing requests by performing the following duties.

Duties and Responsibilities

• Serves as a client relationship representative to all customers by listening, researching, and complaint/inquiry resolution as needed.
• Provides guided levels of support, with direct supervision, to CRBs and the entire lending team on commercial relationships.
• Monitors compliance with legal, regulatory and credit policies on loan documentation, credit approvals and funding, correcting exceptions, and monitoring resolutions.
• Coordinates credit underwriting process and preparation of credit approval packages.
• Monitors loan agreement covenants and borrowing base compliance, as well as report exceptions.
• Ensures ongoing timely receipt of financial information consistent with bank policy.
• Proactively ensures expiring credit facilities are re-underwritten and appropriately re-established.
• Consults with Relationship Managers and Credit to make recommendations on risk ratings.
• Reviews equipment and real estate appraisals in conjunction with Relationship Managers.
• Assists with Watch List credits (prepares CARs; communicates with customers regarding reducing credit exposure, paying off or refinancing notes, or rehabbing operational and financial results).
• Inputs loan requests and supporting information into loan processing software.
• Maintains an active role in community affairs by participation in community organizations/projects to improve the bank’s visibility in the area and enhance business opportunities.

Supervisory Responsibilities

This job has no supervisory responsibilities.

Qualifications

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education And/or Experience

Bachelor's degree (B. A.) from four-year college or university; preferably in Finance, Business, Accounting or related field; minimum of one to three years credit analysis and/or lending experience; working knowledge of federal/state laws related to banking/lending practices; or equivalent combination of education and experience. Advanced knowledge of credit policies, procedures and terminology preferred.

Physical Demands

While performing the duties of this job, the employee is frequently required to stand; walk; sit; use hands to finger, handle, or feel and talk or hear. The employee is occasionally required to reach with hands and arms; climb or balance and stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision and ability to adjust focus.

Work Environment

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This position operates in a professional banking environment and routinely uses standard office equipment and digital tools such as secure financial systems, computers, phones, photocopiers, and scanners. The role requires maintaining a high level of professionalism, confidentiality, and attention to detail in all interactions. This role operates in a dynamic, relationship-driven environment focused on providing exceptional financial solutions and service to our clients. Work is typically performed in a corporate office or banking center setting with a moderate noise level and a dynamic, collaborative, and inclusive workplace where innovation thrives. Frequent direct contact with clients and team members. This role typically requires travel.

Our Hiring Process

The following pre-employment screenings will be completed after a conditional offer of employment has been accepted:

• Criminal Background check
• Credit check
• Fingerprint check
• Drug Screen
• OFAC check
• Reference check
• Employment verification
• Education verification

Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, pregnancy, genetic information, disability, status as a protected veteran, or any other protected category under applicable federal, state, and local laws. Know Your Rights