Senior Commercial Portfolio Manager - Relationship & Credit

RockBridge Search; Phoenix (AZ); On-site; USD 100,000 - 140,000; Full time

Job summary

RockBridge Search in Phoenix, AZ seeks a Commercial Portfolio Manager to manage and grow a diverse commercial banking portfolio. You will partner with Commercial Relationship Managers, Credit Administration, and Underwriting to ensure credit quality, risk monitoring, and client satisfaction.

You will analyze complex financial statements, prepare credit analyses and approval packages, and identify opportunities to expand services such as lending, deposits, and treasury management.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, Economics, or related field.
• SeveraI years of experience in commercial banking, credit, portfolio management, underwriting, or lending.
• Strong understanding of commercial credit analysis, financial statement spreading, cash flow analysis, and risk assessment.
• Ability to translate financial findings into clear credit recommendations.
• Knowledge of commercial lending products (C&I, CRE, owner-occupied real estate, etc.).
• Experience preparing annual reviews, credit memos, loan presentations, and credit packages.
• Understanding of loan documentation, collateral evaluation, covenant monitoring, and credit administration.
• Ability to identify changing credit conditions and propose solutions.
• Excellent organizational, written and verbal communication, with collaboration skills.
• Proficiency with financial analysis tools, loan systems, and Excel.
• High integrity, accountability, discretion, and professional judgment.

Responsibilities

• Manage an assigned portfolio of commercial banking relationships with focus on credit quality, risk monitoring, profitability, and performance.
• Collaborate with Relationship Managers to expand existing client relationships and identify lending, deposit, treasury, and other banking opportunities.
• Analyze complex financial statements and related data to evaluate borrower performance and repayment capacity.
• Prepare credit analyses, annual reviews, interim reviews, and credit approval packages per lending policies.
• Monitor compliance, loan documentation, collateral, maturities, and covenant requirements.
• Identify emerging risks and recommend action plans, escalating concerns when needed.
• Assess cash flow, debt service, leverage, liquidity, and collateral to support sound credit decisions.
• Maintain ongoing client communication and portfolio transparency with borrowers and internal partners.
• Support structuring, renewals, modifications, extensions, and annual reviews of facilities.
• Coordinate loan renewals and other portfolio-related activities to ensure accuracy and timely completion.
• Review loan files for completeness and policy adherence.

Skills

Credit analysis

Financial analysis

Cash flow analysis

Loan documentation

Relationship management

Excel proficiency

Communication skills

Education

Bachelor's degree

Tools

Microsoft Excel

Commercial loan systems

Job description

RockBridge Search in Phoenix, AZ seeks a Commercial Portfolio Manager to manage and grow a diverse commercial banking portfolio. You will partner with Commercial Relationship Managers, Credit Administration, and Underwriting to ensure credit quality, risk monitoring, and client satisfaction.

You will analyze complex financial statements, prepare credit analyses and approval packages, and identify opportunities to expand services such as lending, deposits, and treasury management.