Senior Portfolio Manager – Credit Strategy & Client Growth

First Bank SBA, Inc.; Raleigh (NC); Hybrid; USD 100,000 - 150,000; Full time

Job summary

First Bank SBA, Inc. in Raleigh, NC is seeking a Portfolio Manager III to review and renew commercial/retail loan documents, monitor covenants, and support credit decisions on the client portfolio.

You will collaborate with relationship managers to optimize client solutions, oversee portfolio performance, and ensure timely renewals in line with bank policies and risk management guidelines.

Qualifications

• Bachelor’s degree in business, finance, or related field or equivalent work experience.
• Educational experience, through in‑house training sessions, formal school or financial industry related curriculum, should be business or financial industry related.
• Intermediate knowledge of Bank operations, products and services; related state and federal laws and regulations, and other Bank operational policies and procedures.
• Excellent organizational and time management skills – ability to work with minimal supervision.
• Intermediate skills in computer terminal and personal computer operation; mainframe computer system; word processing, spreadsheets and specialty software programs.
• Exceptional verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct personnel.

Responsibilities

• Collaborate with relationship managers to generate ideas, identify client solutions, pursue marketing efforts, cover clients, and deliver timely solutions.
• Actively manage client solution opportunities within portfolios.
• Operate as key member of the deal team and coordinate preparation of lending proposals and pitches to prospective clients with efforts to maximize penetration and returns.
• Institute cross‑selling initiatives to increase ranking with client.
• Negotiate transactions with clients.
• Maintain awareness of all firm products and services offered and facilitate means of receiving continuous updates.
• Provide accurate financial analysis and oversight of new and existing bank customers.
• Proven background in the review and analysis of complex financial statements and tax returns submitted by applicants and is capable of evaluating their ability to repay, and consultation of structure, collateral and ownership.
• Protect the Bank’s assets and maintain quality of portfolio by adhering to lending processes, policies & procedures, legal and ethical requirements and regulations, audit requirements, and established risk management guidelines.
• Exercise individually held unilateral discretionary limits, as well as any held prescribed approval discretionary limits (i.e.: overdrafts, credit applications), ensuring credit decisions and recommendations are in accordance with sound credit‑granting principles and in compliance with the Bank’s policies and related procedures; completing analysis; confirming security valuations; completing and approving credit applications for authorizations under Lending Policy.
• Adhere to Know Your Customer Rules and Bank Policies & Procedures for the prevention of loss due to fraud, counterfeiting, money laundering, or defalcation; identify and report suspicious and other reportable transactions or patterns of activity that are suspected to be related to money laundering.

Job description

First Bank SBA, Inc. in Raleigh, NC is seeking a Portfolio Manager III to review and renew commercial/retail loan documents, monitor covenants, and support credit decisions on the client portfolio.

You will collaborate with relationship managers to optimize client solutions, oversee portfolio performance, and ensure timely renewals in line with bank policies and risk management guidelines.