Portfolio Manager

The Intersect Group; Columbia (SC); Sur place; USD 120 000 - 180 000; Plein temps

Résumé du poste

The Intersect Group in Columbia, SC seeks an experienced Commercial Portfolio Manager to oversee the commercial loan portfolio, perform hands-on underwriting, and assess credit risk. You will lead a team of credit analysts and collaborate with lenders to support lending decisions.

Ideal candidates have extensive underwriting experience, strong financial analysis skills, and a track record of mentoring professionals while actively engaging in underwriting, portfolio reviews, and client

Qualifications

• 7–20 years of commercial credit underwriting experience.
• Bachelor's degree in Finance or Accounting preferred.
• Experience in banking or lending and portfolio management.
• Strong knowledge of loan documentation, covenants, and collateral.
• Proven leadership and mentoring abilities.

Responsabilités

• Lead local loan portfolio management including annual reviews and covenant compliance.
• Assist lenders in prospecting and client engagement.
• Coach team members on relationship development and cross-sell initiatives.
• Prepare commitment letters and review loan documentation.
• Identify and mitigate credit risks through sound analysis.
• Participate in client calls, underwriting, and loan closings.
• Oversee credit memos, spreads, and related documentation.
• Mentor a team of credit specialists, portfolio managers, and analysts.
• Collaborate with senior leadership to maintain risk profiles.
• Provide underwriting expertise and guidance to the team.
• Build relationships with lenders and internal credit partners to improve processes.
• Participate in client meetings and site visits to support evaluations.

Formation

Bachelor's degree in Finance or Accounting

Outils

Internal systems

Financial analysis tools

Description du poste

We are seeking an experienced Commercial Portfolio Manager to oversee commercial loan portfolio management, perform hands-on credit underwriting, assess credit risk, and support commercial lending activities. This role combines financial analysis and portfolio oversight with team leadership, coaching, and collaboration with commercial lenders.

The ideal candidate will have extensive commercial credit underwriting experience and the ability to lead and develop credit professionals while remaining actively involved in underwriting, portfolio analysis, and credit decision-making.

Daily Responsibilities

• Lead all aspects of local loan portfolio management, including annual reviews, covenant compliance, and collateral exceptions.
• Assist lenders in prospecting and client engagement efforts.
• Support cross-sell initiatives and coach team members on relationship development.
• Prepare commitment letters and review loan documentation.
• Identify and mitigate credit risks through sound analysis and recommendations.
• Participate in client calls, underwriting, credit presentations, and loan closings.
• Oversee the preparation of credit memos, spreads, and related documentation.
• Manage and mentor a team of credit specialists, portfolio managers, and analysts.
• Collaborate with senior leadership to maintain appropriate risk profiles.
• Provide hands-on underwriting expertise and technical guidance to team members.
• Build strong working relationships with lenders and internal credit partners to improve processes and operational efficiency.
• Participate in client meetings and business site visits as needed to support credit evaluations and lending decisions.

Qualifications and Requirements

• 7–20 years of commercial credit underwriting experience, with additional commercial banking or commercial lending experience preferred.
• Candidates with at least 5 years of underwriting experience may be considered if they have substantial commercial banking and lending experience.
• Proven ability to analyze complex financial statements, tax returns, cash flow, and overall borrower creditworthiness.
• Deep knowledge of commercial credit policies, banking regulations, risk assessment, and loan documentation.
• Experience managing, mentoring, or technically leading credit analysts, underwriters, or portfolio management professionals.
• Strong understanding of commercial loan portfolio management, annual reviews, covenant compliance, and collateral monitoring.
• Proficiency in internal systems, financial analysis tools, and reporting platforms.
• Excellent written and verbal communication skills, with the ability to collaborate effectively with lenders, clients, and senior leadership.
• Strong analytical, organizational, problem-solving, and time management skills.
• Bachelor's degree in Finance or Accounting preferred.

Preferred Qualifications

• Experience supporting commercial lenders through underwriting, credit presentations, loan closings, and portfolio management.
• Demonstrated ability to balance hands-on underwriting and portfolio management with coaching and team leadership.
• Experience improving credit processes and collaborating with internal stakeholders to support operational efficiency.
• Familiarity with the local commercial banking market.