Portfolio Manager

Burke & Herbert Bank & Trust; Northwood (MD); On-site; USD 60,000 - 100,000; Full time

Job summary

Burke & Herbert Bank & Trust is seeking a Portfolio Manager in Salisbury, MD to support Commercial Banking Executives in origination and credit portfolio management. You will structure transactions, review financial statements, and participate in due diligence discussions to deliver compliant, well-structured loan solutions.

The role requires underwriting experience in commercial lending, strong financial modeling, and the ability to present credit analyses to credit committees.

Qualifications

• Bachelor's degree in business, accounting, finance or related field.
• Three or more years of underwriting and account management experience, preferably within a commercial lending environment.
• Proficiency with financial modeling and thorough financial statement analysis (balance sheets, income statements, cash flow).
• Thorough knowledge of C&I and CRE lending processes, including credit evaluation and underwriting.
• Strong verbal, written, interpersonal, and presentation skills.

Responsibilities

• Determine borrowing customer’s needs and develop appropriate loan structures with Commercial Banking Executives.
• Review and spread company/guarantor financial information.
• Perform thorough credit analyses for new requests and present findings.
• Maintain knowledge of lending policies and identify exceptions.
• Lead due diligence discussions and develop term sheets for deal screens.
• Monitor ongoing compliance with financial covenants and reporting requirements.
• Assist with renewals, extensions and annual credit reviews.

Skills

Financial modeling

Credit analysis

Underwriting

Loan structuring

Microsoft Office

Communication

Team collaboration

Education

Bachelor's degree in business/finance

Tools

LoanVantage

Microsoft Office

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Salisbury, MD, US

JOB DESCRIPTION

Summary/Objective

The Portfolio Manager will support Commercial Banking Executives in the origination of new loans and management of credit portfolio. This role will work closely with the origination team and credit risk management in structuring transactions, reviewing and analyzing financial statements, conducting due diligence, assessing credit risk, preparing deal screen presentations, and monitoring and managing the credit portfolio.

Essential Functions:

• Determine borrowing customer’s needs and develop appropriate loan structure in collaboration with Commercial Banking Executives.
• Request, Review and Spread company/guarantor financial information.
• Complete thorough, accurate, and in-depth analysis of new credit requests in a timely manner.
• Maintain good working knowledge of the Bank’s lending policies and procedures and identify exceptions to credit policy.
• Recommend appropriate risk ratings in accordance with credit policy guidelines.
• Attend meetings and/or conference calls on transactions, lead due diligence discussions and develop deal indicative term sheets and deal screen presentations.
• Structure transactions appropriately that meet client’s needs and bank’s requirements.
• Perform comprehensive credit analysis (cash flow analysis, trend analysis, sensitivity analysis etc.) for deal screens and assist in presentation to credit committee in support of approval.
• Monitor, review and evaluate ongoing compliance with financial covenants and reporting requirements.
• Assist with renewals, extensions and annual credit reviews, as needed.
• Perform other duties as directed.

Skills/Abilities

• Proficiency with financial modeling and excellent financial analysis skills (balance sheets, income statements, cash flow statements, financial ratios, personal financial statements, tax returns etc.)
• Thorough knowledge of C&I and CRE lending process, including credit evaluation and underwriting.
• Strong verbal, written, interpersonal, and presentation skills.
• Proven organizational skills, ability to work independently and be detail oriented and thorough.
• Ability to work well on a team and develop collaborative partnerships across the banking platform.
• Ability to work on multiple transactions simultaneously and prioritize assignments to meet deadlines.
• Proficiency in Microsoft Office; knowledge of banking systems (LoanVantage preferred).

Education and Experience

• Bachelor’s degree in business, Accounting, Finance or related field (or additional equivalent related experience)
• Three or more years of underwriting and account management experience, preferably within a commercial lending environment.

Supervisory Responsibility

This position has no supervisory responsibilities.

This job operates in a clerical office setting. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines. Office environment with job duties conducted via telephone, face to face meetings, and on the computer.

Physical Demands

This position requires manual dexterity, the ability to lift files and opening cabinets. This position requires bending, stooping or standing as necessary.

Travel

Travel may be required for this position.

For Applicants located in Salisbury, MD :

The anticipated salary range for this position is $60,000–$100,000 annually.

The ranges listed above for Maryland represent the good‑faith compensation the Company reasonably expects to pay for the position at the time of posting. Actual compensation will be determined based on factors including, but not limited to, the candidate's skills, qualifications, experience, education, certifications, internal equity, and business needs. This position may also be eligible for additional compensation, such as bonuses or incentive pay, where applicable.

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.