SAM Commercial Portfolio Manager (Remote: FL, VA, GA, AL, NC, SC, TX, CO)

Overview

This role supports the Special Assets commercial loan portfolio by providing quality underwriting and sound portfolio management intended to reduce problem assets and minimize losses to the organization.

Responsibilities

• Analyze financial information to evaluate creditworthiness for renewals, modifications, forbearance requests, and ongoing portfolio management activities in accordance with the organization’s policies and procedures.
• Compile complete and accurate commercial loan packages, including:
  • Written credit memos with sufficient customer background
  • Financial analysis of the borrower and guarantors, and the proposed transaction
  • Critical analysis of potential risk to the organization
  • Proper risk grading and a thoughtful recommendation
• When needed, complete additional credit analysis using more in-depth tools beyond traditional spreads and global cash flow (e.g., CRE analysis tools).
• Guide loan requests through the Credit Approval Process, ensuring loan structure meets client needs and the organization’s operating objectives.
• Ensure commercial loan relationships comply with State and Federal regulations and organizational policies and procedures.
• Monitor and service supported commercial loan portfolios through centralized covenant testing and tracking, annual servicing review processes, preparation of criticized loan asset reports, and exception clearing.
• Review the commercial portfolio for opportunities to potentially upgrade risk or related assessments.
• Properly grade the risk of each loan in the assigned portfolio per policy; recommend adjustments to risk grades as circumstances change or new information becomes available.
• Assist CRO and TL with credit presentation to Credit Administration or other leaders and committees.
• Ensure all required documentation is present in loan files; work with CRO, TL, and the SAM Loan Assistant to address documentation or compliance deficiencies noted by Loan Operations or other reviews.
• Periodically engage with customers at the direction of CRO or TL to collect required financial information.
• Build and maintain positive working relationships with internal partners (e.g., Loan Operations, Credit Administrators, credit leadership, local line leadership, branch personnel).
• Undertake special projects as assigned by the Director of Special Assets or SAM Commercial Resolutions TL.
• Participate in professional training, continuously update skills, and seek cross-training opportunities.
• Work with CRO and TL to monitor maturing loans.
• Demonstrate a commitment to fair lending practices, remain knowledgeable of applicable laws and regulations governing lending activities, and ensure compliance with all applicable policies and procedures, including State and Federal regulations.
• Maintain positive working relationships with attorneys, appraisers, vendors, and others to support the organization’s reputation.
• Stay current on products and services provided.
• Adhere to corporate policies and procedures and all Federal and State regulations and laws.
• Follow regulatory requirements related to the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Customer Identification Program (CIP), and OFAC to support identification, detection, and deterrence of money laundering or other unlawful activities.

Requirements

• Four-year degree in Business Administration, Finance, Accounting, or a related field; graduation from a recognized school of banking is an asset or equivalent experience.
• Minimum of 5 years of experience in credit analysis and commercial/business banking, including at least 5 years of specific portfolio management and/or underwriting experience.
• Familiarity with loan structuring and loan documentation.
• Knowledge of accounting and lending principles and excellent oral and written communication skills.
• In-depth knowledge of Federal and State lending regulations and organizational policies related to lending procedures.

Preferred Qualifications

• Graduation from a recognized school of banking is an asset.

Compensation & Benefits

• Pay for this position is anticipated to be between $76,260.00 - $121,819.00; actual offers will be determined based on applicant’s skills, experience, and education.
• Required annual compliance training; New Employee Orientation.
• Equal Opportunity Employer, including disabled/veterans.

Location & Work Environment

• Telecommuting roles (hybrid or 100% full-time telecommuting) require a secure home office environment that is free from background noise and distractions.
• Reliable private internet connection is required (not supplied via cellular data/hot spot); cable or fiber connections are preferred.
• Travel may be required to attend meetings as needed.

Additional Information

• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• Physical demands include the ability to access and interpret information on computer screens, documents, reports, and cash denominations, and identify customers; significant time in front of a computer is required. Bending and reaching may be required.
• The anticipated deadline for the job posting is 11-14-2026; qualified candidates may still be considered beyond this date.