Manager, Commercial Portfolio Management

National Cooperative Bank; Arlington (VA); Hybrid; USD 120,000 - 180,000; Full time

Job summary

National Cooperative Bank is seeking a Portfolio Management Manager to lead the commercial portfolio management function, ensuring timely monitoring of loan relationships, financial statement spreading, covenant compliance, and risk rating integrity. You will partner with BDOs, Underwriting, Credit Administration, Special Assets, and executive management to maintain a high-quality loan portfolio.

The role requires strong leadership, advanced financial analysis, and experience with loan

Qualifications

• 8+ years of commercial banking, underwriting, credit administration, or portfolio management experience.
• 3+ years of management or supervisory experience preferred.
• Strong background in commercial credit analysis and portfolio risk management.
• Advanced financial statement analysis skills.
• Experience with SBA lending programs and portfolio monitoring requirements.
• Strong knowledge of commercial loan structures and credit risk management.

Responsibilities

• Lead, coach, and develop team members.
• Establish performance expectations, goals, and development plans; conduct evaluations.
• Manage workload distribution to meet deadlines.
• Oversee the performance and risk profile of the commercial loan portfolio.
• Review portfolio trends and emerging risks.
• Monitor criticized, classified, and watch list relationships.
• Ensure timely escalation of credit concerns.
• Partner with Credit Officers and Underwriters on risk mitigation.
• Monitor portfolio concentrations and industry exposures.
• Ensure timely completion of financial statement spreading.
• Review annual review completion and renewal pipelines.
• Review and approve risk rating recommendations within delegated authority.
• Ensure covenant monitoring processes are effective.
• Collaborate with BDOs to support customer retention and relationship growth.
• Present material portfolio concerns to Management.

Skills

Leadership

Credit analysis

Portfolio risk management

Financial statement analysis

Communication

Project management

nCino/Salesforce

Education

Bachelor's degree in Finance/Accounting/Economics/Business Administration

MBA or advanced banking school preferred

Tools

nCino

Salesforce

financial spreading software

Job description

Role Description Summary: The Portfolio Management Manager is responsible for leading and overseeing the commercial portfolio management function. This role ensures the timely and accurate monitoring of commercial loan relationships, financial statement spreading, covenant compliance, annual review completion, risk rating integrity, and portfolio risk management for all lines of business. The Manager provides leadership, coaching, workload oversight, and quality assurance for the team while serving as a key partner to Business Development Officers (BDOs), Underwriting, Credit Administration, Special Assets, and executive management.

The Portfolio Management Manager is accountable for maintaining a high-quality loan portfolio, ensuring compliance with bank policies and regulatory expectations, and producing examiner-defensible credit administration practices. The position also serves as a key escalation point for emerging credit concerns and portfolio risks.

Role Responsibilities

Team Leadership and Management

• Lead, coach, and develop team members.
• Establish performance expectations, goals, and development plans, conduct performance evaluations and provide ongoing feedback.
• Manage workload distribution to ensure deadlines are met.
• Promote consistency in portfolio management practices across the team.
• Oversee the performance and risk profile of the commercial loan portfolio.
• Review portfolio trends and emerging risks.
• Monitor criticized, classified, and watch list relationships.
• Ensure timely escalation of credit concerns.
• Partner with Credit Officers and Underwriters on risk mitigation strategies.
• Monitor portfolio concentrations and industry exposures.

Financial Statement and Annual Review Oversight

• Ensure timely completion of financial statement spreading.
• Monitor annual review completion and renewal pipelines.
• Review quality and accuracy of financial analyses performed by staff.
• Ensure financial information is current and sufficient for risk assessment.
• Review and approve risk rating recommendations within delegated authority.
• Ensure covenant monitoring processes are effective.
• Identify systemic portfolio risks and recommend corrective actions.
• Support problem loan identification and remediation efforts.

Quality Control and Compliance

• Ensure compliance with loan policy, regulatory requirements, and bank procedures.
• Work with BDOs and credit to respond to internal audits, loan reviews, and regulatory examinations.
• Drive continuous improvement initiatives within the portfolio management function.

Business Development Officer Partnership

• Collaborate with BDOs to support customer retention and relationship growth.
• Resolve portfolio-related issues that affect client relationships.
• Participate in relationship planning and portfolio strategy discussions.
• Balance risk management objectives with business development goals.

Reporting and Executive Communication

• Report on annual review status, covenant compliance, exception trends, and portfolio quality metrics.
• Present material portfolio concerns and recommendations to Management.
• Support strategic planning and portfolio management initiatives.

Decision-Making Authority

• Approve routine portfolio actions within delegated authority.
• Escalate material credit concerns to senior credit leadership.
• Approve workload assignments and staffing priorities.
• Establish portfolio management procedures and quality standards.

Minimum Qualifications

• 8+ years of commercial banking, underwriting, credit administration, or portfolio management experience.
• 3+ years of management or supervisory experience preferred.
• Strong background in commercial credit analysis and portfolio risk management.
• Advanced financial statement analysis skills.
• Experience with SBA lending programs, including SBA loan structures, eligibility requirements, documentation standards, servicing expectations, and portfolio monitoring requirements.
• Strong knowledge of commercial loan structures and credit risk management.
• Thorough understanding of covenant monitoring and portfolio administration.
• Strong leadership and coaching skills.
• Excellent written and verbal communication abilities.
• Strong organizational and project management skills.
• Experience with nCino, Salesforce, financial spreading software, and reporting tools.

Education

Bachelor's degree in Finance, Accounting, Economics, Business Administration, or related field required.

• Advanced banking school, credit certification, or MBA preferred.

Hybrid - Employees will work from both remote and onsite locations. Employees must live within a reasonable commuting distance of the office and are required to be onsite at least two (2) days per week, specifically on Tuesdays and Wednesdays. Certain positions or business needs may require additional in-office days.

AA/EOE

Equal Opportunity Employer

Head of Commercial Portfolio Management

VA Office

Role Description Summary: The Portfolio Management Manager is responsible for leading and overseeing the commercial portfolio management function. This role ensures the timely and accurate monitoring of commercial loan relationships, financial statement spreading, covenant compliance, annual review completion, risk rating integrity, and portfolio risk management for all lines of business. The Manager provides leadership, coaching, workload oversight, and quality assurance for the team while serving as a key partner to Business Development Officers (BDOs), Underwriting, Credit Administration, Special Assets, and executive management.

The Portfolio Management Manager is accountable for maintaining a high-quality loan portfolio, ensuring compliance with bank policies and regulatory expectations, and producing examiner-defensible credit administration practices. The position also serves as a key escalation point for emerging credit concerns and portfolio risks.

Role Responsibilities

Team Leadership and Management

• Lead, coach, and develop team members.
• Establish performance expectations, goals, and development plans, conduct performance evaluations and provide ongoing feedback.
• Manage workload distribution to ensure deadlines are met.
• Promote consistency in portfolio management practices across the team.

Portfolio Oversight

• Oversee the performance and risk profile of the commercial loan portfolio.
• Review portfolio trends and emerging risks.
• Monitor criticized, classified, and watch list relationships.
• Ensure timely escalation of credit concerns.
• Partner with Credit Officers and Underwriters on risk mitigation strategies.
• Monitor portfolio concentrations and industry exposures.

Financial Statement and Annual Review Oversight

• Ensure timely completion of financial statement spreading.
• Monitor annual review completion and renewal pipelines.
• Review quality and accuracy of financial analyses performed by staff.
• Ensure financial information is current and sufficient for risk assessment.
• Establish service-level expectations for portfolio management activities.

Credit Risk Governance

• Review and approve risk rating recommendations within delegated authority.
• Ensure covenant monitoring processes are effective.
• Identify systemic portfolio risks and recommend corrective actions.
• Support problem loan identification and remediation efforts.

Quality Control and Compliance

• Ensure compliance with loan policy, regulatory requirements, and bank procedures.
• Maintain examiner-ready portfolio management processes.
• Work with BDOs and credit to respond to internal audits, loan reviews, and regulatory examinations.
• Drive continuous improvement initiatives within the portfolio management function.

Business Development Officer Partnership

• Collaborate with BDOs to support customer retention and relationship growth.
• Resolve portfolio-related issues that affect client relationships.
• Participate in relationship planning and portfolio strategy discussions.
• Balance risk management objectives with business development goals.

Reporting and Executive Communication

• Report on annual review status, covenant compliance, exception trends, and portfolio quality metrics.
• Present material portfolio concerns and recommendations to Management.
• Support strategic planning and portfolio management initiatives.

Decision-Making Authority

• Approve routine portfolio actions within delegated authority.
• Recommend risk rating changes.
• Escalate material credit concerns to senior credit leadership.
• Approve workload assignments and staffing priorities.
• Establish portfolio management procedures and quality standards.

Minimum Qualifications

• 8+ years of commercial banking, underwriting, credit administration, or portfolio management experience.
• 3+ years of management or supervisory experience preferred.
• Strong background in commercial credit analysis and portfolio risk management.
• Advanced financial statement analysis skills.

• Experience with SBA lending programs, including SBA loan structures, eligibility requirements, documentation standards, servicing expectations, and portfolio monitoring requirements.

• Strong knowledge of commercial loan structures and credit risk management.
• Thorough understanding of covenant monitoring and portfolio administration.
• Strong leadership and coaching skills.
• Excellent written and verbal communication abilities.
• Strong organizational and project management skills.
• Experience with nCino, Salesforce, financial spreading software, and reporting tools.

Education

Bachelor's degree in Finance, Accounting, Economics, Business Administration, or related field required.

• Advanced banking school, credit certification, or MBA preferred.

Work Environment

Hybrid - Employees will work from both remote and onsite locations. Employees must live within a reasonable commuting distance of the office and are required to be onsite at least two (2) days per week, specifically on Tuesdays and Wednesdays. Certain positions or business needs may require additional in-office days.

AA/EOE

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.