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About the Role
As a Portfolio Manager, Commercial Banking, you will work closely with Relationship Managers and clients to support a portfolio of commercial relationships, providing financial analysis, credit expertise, and ongoing portfolio management. This role is integral to helping businesses grow while maintaining the strong credit quality and customer-focused approach that define Five Star Bank.
Responsibilities
- Support Relationship Managers and Credit Administration with the maintenance of assigned customer relationships.
- Assist with gathering financial and business information as dictated by loan documents.
- Facilitate the preparation of credit underwriting and analysis for existing loans, including reviews, renewals, and modifications.
- Assess and ensure appropriate risk rating assignment.
- Conduct periodic reviews of commercial loans and credit facilities to assess portfolio performance and credit quality.
- Monitor financial covenant compliance and analyze customer-provided reporting.
- Spread financial statements into bank’s internal models.
- Provide monthly reports and assistance in monitoring maturing loans and lines of credit.
- Assist in facilitating closing transactions by reviewing loan documentation.
- Monitor the appraisal and environmental review process and communicate with RMs.
- Maintain clean credit files and ensure timely filing of pertinent documents.
- Track and monitor monthly policy exceptions, resolving collateral and loan review exceptions.
- Attend client/prospect calls with Relationship Managers as directed.
- Demonstrate the standards and principles of the Five Star Bank experience in every interaction.
- Incorporate high performance behaviors of teamwork, leading by example, and service in every facet of work.
Requirements
- Bachelor’s Degree
- 3+ years of financial analysis, credit analysis, or prior portfolio management experience in Financial Services.
Skills
- Strong written and verbal communication skills
- Ability to clearly convey complex financial and credit information
- Proficiency in Microsoft Office Suite
- Ability to quickly learn and effectively utilize banking, credit, and portfolio management systems
- Excellent interpersonal and relationship-building skills
- Ability to collaborate effectively with customers, Relationship Managers, credit partners, and colleagues
- Strong analytical, critical thinking, and problem-solving skills
- Ability to evaluate financial information, identify risks, and exercise sound business judgment
- Working knowledge of commercial credit principles, lending policies and procedures, financial statement analysis, and basic accounting concepts
- Exceptional organizational and time management skills
- Ability to manage multiple priorities, meet deadlines, and maintain a high level of accuracy
- Commitment to providing outstanding service
- Ability to travel occasionally throughout corporate footprint
- Extensive computer usage is required
Location
- Hybrid
Work Type
- Full-time
- Hybrid
Experience Level
- 3+ years
Education Level
- Bachelor's Degree
Salary/Compensations
- Compensation offers are based on a wide range of factors including relevant skills, training, experience, education and, where applicable, licenses or certifications obtained. Market and organizational factors are also considered. In addition to your base rate of pay and a competitive benefits package, successful candidates may be eligible to receive cash or equity-based incentives based on the role and performance.
Benefits
- Medical, Dental, and Vision Insurance
- Health Savings Account
- Flexible Spending Account(s)
- Company Paid Life Insurance, Long-Term Disability, and Short-Term Disability
- Voluntary Offerings: Life, Critical Illness/Specified Disease, Accident, Hospital Indemnity, Legal Insurance & Personal Accident
- Tuition Reimbursement
- Employee Referral Program
- Wellness Reimbursement Program
- Star Volunteer Program
- Employee Banking and Financial Perks
- Flexible Hybrid Work Schedule
- Paid Time Off (PTO)
- Company Paid Holidays
About the Company
- At Five Star Bank, our success is built on trusted relationships, local decision-making, and a commitment to delivering outstanding financial solutions.
Equal Opportunity
- This job description is not exhaustive. The Portfolio Manager may be required to perform other duties as assigned.