Credit Portfolio Manager II

Jobtailor; Mount Laurel Township (NJ); On-site; USD 120,000 - 180,000; Full time

Job summary

Jobtailor in Mount Laurel, NJ seeks a seasoned Credit Manager to lead financial analysis and risk assessment for commercial lending. You will manage a portfolio of mid-market loans, ensure compliance with loan terms, and drive credit initiatives across business lines.

Responsibilities include guiding underwriting quality, coordinating with Relationship Managers, and mentoring a team of Credit Analysts. Expect extensive interaction with senior management and the ability to navigate complex loan

Qualifications

• Bachelor's degree or work experience equivalent required.
• 10+ years related experience required.
• Strong understanding of commercial business development techniques and credit decisions.
• Credit and financial analysis skills.
• Working knowledge of capital markets is a plus.
• Refined negotiation skills.
• Verbal and written communication skills.
• Occasional domestic travel.
• Ability to perform continuous sedentary work, multiple tasks, operate standard office equipment, concentrate for long periods, read/write/comprehend instructions, and perform basic arithmetic.
• Occasional sitting-related physical activities, including standing, walking, squatting, bending, reaching forward, and lifting/carrying under 25 lbs.

Responsibilities

• Perform financial analysis for credit decisions on new and existing business.
• Support the commercial banking team and recommend value-adding credit solutions.
• Manage a designated portfolio of commercial loans.
• Ensure compliance with loan agreements, regulatory requirements, underwriting, and risk-rating policies.
• Oversee the portfolio risk profile and identify macro and micro risk issues early.
• Manage complex credit activities, underwriting quality, consistency, and workflow timeliness.
• Work on larger, complex deals focused on Middle Market and highly specialized lending.
• Create, develop, and introduce commercial and credit-related initiatives.
• Consult with business lines regarding credit issues, processes, and procedures.
• Serve as a resource for business lines and work with senior management on issues, expectations, and timelines.
• Partner with Lending/Credit Officers on internal and external audit or examiner exceptions.
• Perform periodic customer-site inspections to audit accounts and ensure adherence to loan agreements and terms.
• Coordinate with Account and Relationship Managers on financial analyses and credit investigations.
• Communicate credit decisions to Relationship Managers and Account Managers as needed.
• Manage departmental workflow and policy adherence.
• Participate in organizational cost-benefit analysis and implementation.
• Create and maintain quantifiable service-level standards.
• Ensure timely information and efficient processes and workflow.
• Maintain confidentiality of credit and customer information.
• Lead a team of Credit Analysts within a region or market as needed.

Skills

Credit decisions

Financial analysis

Risk management

Team leadership

Negotiation

Verbal communication

Written communication

Education

Bachelor's degree

Tools

PC skills

Job description

• Perform financial analysis for credit decisions on new and existing business
• Support the commercial banking team and recommend value-adding credit solutions
• Manage a designated portfolio of commercial loans
• Ensure compliance with loan agreements, regulatory requirements, underwriting, and risk-rating policies
• Oversee the portfolio risk profile and identify macro and micro risk issues early
• Manage complex credit activities, underwriting quality, consistency, and workflow timeliness
• Work on larger, complex deals focused on Middle Market and highly specialized lending
• Create, develop, and introduce commercial and credit-related initiatives
• Consult with business lines regarding credit issues, processes, and procedures
• Serve as a resource for business lines and work with senior management on issues, expectations, and timelines
• Partner with Lending/Credit Officers on internal and external audit or examiner exceptions
• Perform periodic customer-site inspections to audit accounts and ensure adherence to loan agreements and terms
• Coordinate with Account and Relationship Managers on financial analyses and credit investigations
• Communicate credit decisions to Relationship Managers and Account Managers as needed
• Manage departmental workflow and policy adherence
• Participate in organizational cost-benefit analysis and implementation
• Create and maintain quantifiable service-level standards
• Ensure timely information and efficient processes and workflow
• Maintain confidentiality of credit and customer information
• Lead a team of Credit Analysts within a region or market as needed

Requirements

• Bachelor's degree or work experience equivalent to a Bachelor's degree required
• 10+ years related experience required
• Strong understanding of commercial business development techniques and credit decisions
• Credit and financial analysis skills
• Working knowledge of capital markets is a plus
• Refined negotiation skills
• Verbal and written communication skills
• PC skills
• Occasional domestic travel
• Ability to perform continuous sedentary work, multiple tasks, operate standard office equipment, concentrate for long periods, read/write/comprehend instructions, and perform basic arithmetic
• Ability to perform occasional sitting-related physical activities, including standing, walking, squatting, bending, reaching forward, and lifting/carrying under 25 lbs.

Core Competencies

Demonstrates expertise in financial analysis and credit decision-making, with a strong focus on compliance, risk management, and commercial lending practices. Proven ability to lead teams, manage complex credit activities, and communicate effectively with stakeholders.

Highest-signal resume keywords

• Financial Analysis
• Credit Decision-Making
• Risk Management
• Commercial Lending
• Team Leadership

ATS Optimization Keywords

Hard Skills

• Credit Analysis
• Financial Analysis
• Commercial Business Development
• Underwriting
• Capital Markets Knowledge

Soft Skills

• Negotiation Skills
• Verbal Communication
• Written Communication

Industry Keywords

• Loan Agreements
• Regulatory Compliance
• Portfolio Management
• Risk-Rating Policies
• Middle Market Lending

Tools & Technologies

• PC Skills