Business Banking - Portfolio Manager I

Overview

This role manages an assigned portfolio of Small Business and/or Business Banking loans to support credit quality, compliance, and profitable growth. You’ll strengthen client relationships by monitoring borrower risk, providing credit oversight, and delivering accurate portfolio reviews and recommendations that balance opportunities with prudent risk management.

Responsibilities

Credit & Portfolio Management

• Manage an assigned portfolio of Small Business and/or Business Banking loans, ensuring credit structures comply with Bank Credit Policy.
• Conduct periodic reviews of borrower performance, analyzing repayment capacity, leverage, and key risk factors to provide well-documented recommendations.
• Proactively identify early warning signals and escalate issues; recommend modifications, renewals, or restructuring as appropriate.
• Partner with SBCs and Relationship Managers to deepen client relationships by providing credit expertise and supporting business development goals working with companies up to $10MM in revenue.
• Engage with borrowers and external advisors (including attorneys and accountants) to validate financial performance and address portfolio issues.
• Collaborate with Credit Officers and senior leaders to support credit decisions that balance client needs with prudent risk management.

Portfolio Monitoring & Compliance

• Track receipt of financial statements, tax returns, borrowing base certificates, guarantor information, and covenant compliance documentation.
• Monitor adherence to financial covenants and loan terms; prepare detailed reports on portfolio risk trends and exceptions.
• Ensure portfolio management activities adhere to regulatory and compliance requirements to mitigate risk exposure.
• Use independent judgment and discretion to make decisions, analyze and resolve problems.

Additional Accountabilities

• Perform special projects and other duties as required.
• Consistently adhere to regulatory and compliance policies and complete required compliance trainings. Maintain compliance with applicable federal, state, and local laws and regulations.

Requirements

Required Qualifications

• Undergraduate Degree (4 years or equivalent) in Business, Finance, or related field.
• 2+ years of experience in credit analyst, portfolio management, or commercial/consumer lending.

Job Competencies

• Strong knowledge of financial statements and credit analysis techniques.
• Proficiency in Microsoft Word, Excel, Outlook, and financial research tools.
• Excellent analytical, problem-solving, and decision-making skills.
• Strong written and verbal communication skills, with ability to influence and build trusted relationships.
• Effective organizational skills and attention to detail; able to manage deadlines in a fast-paced environment.
• Customer-oriented, proactive, and collaborative approach to portfolio management.
• Ability to travel as needed.
• Demonstrated ability to build and maintain relationships with stakeholders through clear communication, proactive collaboration, and cross-functional insights.
• Ability to build trusted client relationships by identifying needs and delivering tailored solutions.

Physical Demands (ADA)

• Moderate degree of physical exertion and stamina such as standing, sitting, walking, driving, or infrequent lifting.

Compensation & Benefits

• Pay Range: $57,873.00 - $90,294.00
• Variable incentives, bonuses, commissions, or other awards may be included as outlined in the offer of employment.
• Benefits include medical, dental, vision, life, and disability insurance, as well as a comprehensive leave program.

Location

Nationwide, MI 48098

Equal Opportunity

Equal Opportunity Employer — Vets/Disabled.

Fair Chance Considerations

Qualified applicants with arrest or conviction records will be considered for employment in accordance with the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance, the City of Los Angeles Fair Chance Initiative for Hiring Ordinance, and the San Francisco Fair Chance Ordinance, as applicable.