Healthcare Asset-Based Lending Portfolio Manager (Hybrid)

CFG Bank; Baltimore (MD); Hybrid; USD 90,000 - 125,000; Full time

Benefits offered by this job

Health benefits

On-site gym in Baltimore

Paid time off

401(k) matching

Discretionary bonus

Job summary

CFG Bank, based in Baltimore, Maryland, seeks a Portfolio Manager to oversee a healthcare asset-based lending portfolio, working with Relationship Managers, Credit, and Loan Administration to support underwriting, monitoring, annual reviews, renewals, risk management, covenant compliance, and closings.

This role may be filled at Portfolio Manager or Junior Portfolio Manager level based on qualifications, experience, and demonstrated expertise in commercial banking and asset-based lending.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, or related field.
• 4+ years of commercial banking, healthcare finance, asset-based lending, or credit underwriting experience.
• Experience managing credit relationships and leading annual review and renewal processes.
• Strong understanding of commercial loan structures, collateral monitoring, and risk management principles.
• Ability to work independently and manage multiple priorities in a fast-paced environment.

Responsibilities

• Manage a portfolio of healthcare asset-based lending relationships, including ongoing monitoring of collateral, borrowing availability, credit performance, and portfolio risk.
• Review, analyze, and approve Borrowing Base Certificates and collateral reporting to support client borrowing requests and ensure compliance with credit agreements.
• Analyze borrower financial statements, operating performance, liquidity trends, and cash flow to identify emerging risks and opportunities.
• Coordinate annual reviews, renewals, modifications, and extensions of credit facilities, ensuring accurate analysis and timely completion.
• Prepare and present credit recommendations, risk assessments, and portfolio updates for internal approval committees and management.
• Monitor maturing loans, criticized assets, covenant compliance, and past due obligations, taking proactive action to address potential issues.
• Recommend and maintain appropriate risk ratings for assigned relationships in accordance with bank policy and regulatory guidelines.
• Review field examinations, appraisals, collateral audits, and third-party reports to assess collateral quality and borrowing capacity.
• Partner with Relationship Managers on new credit opportunities, portfolio expansions, and client relationship management activities.
• Coordinate with Loan Administration, Credit, and external legal counsel during loan closings, amendments, modifications, and documentation updates.
• Ensure credit files, approval memoranda, financial reporting, and relationship documentation are complete and audit ready.
• Support workout strategies, problem loan management, and special assets initiatives when necessary.
• Participate in client meetings, site visits, industry conferences, and business development efforts as appropriate.
• Assist with departmental reporting, strategic initiatives, process improvements, and special projects.

Skills

Credit analysis

Portfolio management

Financial statement analysis

Risk assessment

Relationship management

Education

Bachelor's degree in Finance, Accounting, Economics, or related field

Job description

CFG Bank, based in Baltimore, Maryland, seeks a Portfolio Manager to oversee a healthcare asset-based lending portfolio, working with Relationship Managers, Credit, and Loan Administration to support underwriting, monitoring, annual reviews, renewals, risk management, covenant compliance, and closings.

This role may be filled at Portfolio Manager or Junior Portfolio Manager level based on qualifications, experience, and demonstrated expertise in commercial banking and asset-based lending.