Impress employers and recruiters.
Choose from hundreds of resume examples.
Impress employers and recruiters.
Choose from hundreds of resume examples.
Tailor your resume to this CRE Portfolio Manager II or III role.
Rezi rewrites your resume against Northwest Bank's job description. Free.
Tailor your resume to this CRE Portfolio Manager II or III role.
Rezi rewrites your resume against Northwest Bank's job description. Free.
Don't guess if your resume is good enough.
See how it scores against the CRE Portfolio Manager II or III posting at Northwest Bank — free, in seconds.
Don't guess if your resume is good enough.
See how it scores against the CRE Portfolio Manager II or III posting at Northwest Bank — free, in seconds.
About the Role
The Commercial Portfolio Manager is responsible for the ongoing monitoring of the Bank's commercial loans, ensuring accurate risk ratings and compliance with credit policy, loan agreements, and banking regulations. This individual contributor role supports Commercial Banking Relationship Managers and other internal personnel in commercial credit portfolio monitoring with limited supervision.
Responsibilities
- Monitor credit performance of individual commercial borrowers, ensuring timely escalation or remediation.
- Ensure timeliness and accuracy in reporting commercial portfolio monitoring activities and adherence to credit policies, procedures, and thresholds for financial statement collection, covenant testing, collateral valuation, annual reviews, and delinquencies.
- Evaluate risks associated with non-compliance.
- Engage with customers to discuss operating performance and business results, including covenant compliance.
- Gain a thorough understanding of borrowers’ business models and industry trends to evaluate repayment sources and assign risk ratings.
- Collect and review pertinent credit and financial information, including financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research, and peer data.
- Determine the need for further investigation or additional information.
- Spread financial statements and prepare financial models to assess probability of default and loss given default.
- Document historic and proforma cash flows, covenant calculations, sensitivity analysis, guarantor statement review, and collateral valuation.
- Analyze financial information to ensure prudent ongoing credit monitoring for the Bank’s commercial loan portfolio.
- Conduct independent credit quality assessments with well-supported risk rating rationale.
- Identify credit risks, mitigants, industry concerns, market trends, financial trends, and other pertinent credit issues.
- Identify emerging risks or material changes in customers’ financial positions, including evaluating compliance with loan agreements.
- Assist in completing annual reviews, renewals, interim update memos, covenant calculations, and criticized asset reviews.
- Monitor early warning indicators and other credit surveillance forms.
- Present analysis or address questions during credit discussions or presentations.
- Act as a liaison between Commercial Banking Relationship Managers, Credit Risk, the Underwriting Team, and Special Assets to ensure necessary credit approvals are obtained and documented.
- Ensure the loan operating system reflects accurate commercial loan data.
- Document and track key risk indicators associated with monitoring and control procedures and applicable thresholds.
- Ensure compliance with Northwest’s policies and procedures, and Federal/State regulations.
- Navigate Microsoft Office Software, computer applications, and department-specific software to maximize technology tools and efficiency.
- Work as part of a team.
- Work with on-site equipment.
Requirements
- Bachelor's Degree in Accounting, Finance, Economics, or a related discipline is preferred.
- Relevant experience in Commercial Lending as a Portfolio Manager, Relationship Manager, and/or Credit Officer/Underwriter working with moderate to complex loans and documentation is preferred.
- Experience in Commercial Credit or public accounting is preferred.
- Ability to perform financial analysis, assess risk, review documentation, coordinate loan closings, and administer construction loans (Extensive).
- Strong analytical, organizational, and critical thinking skills (Extensive).
- Team-oriented with the ability to monitor and manage multiple responsibilities simultaneously (Extensive).
- Credit risk analysis including assessment of financial statements, collateral valuation, industry review, and risk rating assignments (Extensive).
Skills
- Construction Loan experience is desirable.
Location
- Fishers, NY
- Independence, OH
- NW Bancshares HQ, PA
- Mount Joy, PA
- Erie - 8th & State, PA
- Bellevue, PA
- Williamsport, PA
- State College Business Office, PA
- Administration Center
Work Type
- Onsite
- Remote
- Hybrid
Experience Level
- Portfolio Manager II or III will be determined based on the candidates knowledge and experience.
Education Level
- Bachelor's Degree Accounting, Finance, Economics, or related discipline preferred
Salary/Compensations
- $61,500 - $110,000 annually
Benefits
- Additional bonus earning opportunities and benefits are also available.
About the Company
- Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.
Equal Opportunity
- Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.