Georgiasown
Senior Commercial Portfolio Manager
Atlanta · Senior · Contract
Sponsorship not specifiedDetected 6 hours ago
Financial AnalysisAccountingAuditingLeadershipCommunicationCollaborationFinancial ReportingInternal AuditUnderwriting
About the role
- We provide the necessary tools and technology to ensure seamless productivity, whether you're working from home or the office.
- SUMMARY: Serve as portfolio management officer for an assigned commercial banking portfolio, providing ongoing post-origination credit surveillance, risk identification, and portfolio reporting throughout the life of the relationship.
- This role is distinct from underwriting and operates within the portfolio management framework established by the Director, Commercial Portfolio Management.
Responsibilities
- Maintain accurate and timely risk ratings for assigned relationships by identifying material changes in borrower performance, collateral quality, guarantor strength, market conditions, or other risk factors, and recommend rating migration, watchlist action, or other credit actions when warranted.
- Administer watchlist relationships and support early problem loan identification by recognizing adverse trends such as declining cash flow, covenant erosion, tenant instability, refinancing pressure, collateral weakness, sponsor deterioration, or other emerging concerns before delinquency occurs.
- Prepare portfolio surveillance reporting, exception reporting, risk migration reporting, concentration reporting, and other portfolio intelligence used for management, senior credit leadership, committees, and other stakeholders to evaluate portfolio risk and support enterprise credit governance.
- Monitor portfolio concentrations by industry, property type, geography, sponsor, risk grade, and other relevant segmentation factors to identify emerging trends, evaluate portfolio risk, and support management reporting.
- Partner closely with Lending, Underwriting, Credit Administration, Loan Operations, and Special Assets to ensure coordinated management of borrower relationships, consistent portfolio discipline, timely communication of borrower-level risk matters, and appropriate risk mitigation strategies.
- Support internal audit, loan review, examiner, and regulatory requests by providing accurate portfolio data, credit file support, exception detail, and evidence of ongoing monitoring and risk management activities.
- Maintain complete and accurate portfolio documentation, tracking systems, monitoring records, and credit memoranda suitable for internal approval, audit, and regulatory review in accordance with policy and procedure.
- Perform other duties as may be assigned.
- Track covenant compliance, borrowing base requirements, financial reporting requirements, exceptions, maturities, documentation issues, and other post-closing credit requirements; follow up directly with relationship partners and borrowers as needed to resolve deficiencies, document action plans, and ensure timely escalation when concerns emerge.
- Maintain a thorough knowledge of commercial banking and commercial real estate portfolio management practices, internal credit policy, regulatory expectations, and applicable compliance requirements.
Requirements
- Bachelor's degree from an accredited university in finance, accounting, business, real estate, economics, or a related field.
- Strong attention to detail, sound judgment, and the ability to identify emerging risk trends and escalate concerns appropriately.
- To perform this job successfully, the employee must be able to perform each essential job duty satisfactorily.
- All employees must be able to communicate face to face or through technology with or without reasonable accommodation.
- Clerical office duties on various forms of technology are required.
Nice to have
- Experience supporting problem credit identification, watchlist administration, criticized/classified asset monitoring, examiner reviews, audit requests, or loan review processes strongly preferred.
Compensation
- Coordinate and complete annual reviews, periodic portfolio reviews, renewals, modifications, and recurring credit surveillance activities in accordance with policy, regulatory expectations, portfolio risk characteristics, and portfolio management procedures established for the department.
Company info
- We are an equal opportunity employer.
Visa & Work Authorization
- se trends such as declining cash flow, covenant erosion, tenant instability, refinancing pressure, collateral weakness, sponsor deterioration, or other emerging concerns before delinquency occurs
Apply directly at Georgiasown →Create a free account for alerts like thisView Georgiasown immigration profile
This listing is sourced directly from Georgiasown's careers page and normalized into a canonical job model.