Client Portfolio Manager Jobs in Amherst, MA (NOW HIRING)

JOB SUMMARY: The Commercial Portfolio Manager supports the bank's lending activities by gathering and analyzing financial and business information related to loan requests. This role involves performing credit administration functions, managing customer relationships, conducting portfolio analysis, and collaborating with the Chief Lending Officer and lending team to ensure the sound management of the bank's commercial loan portfolio. The ideal candidate is highly analytical, detail-oriented, and customer-focused, with a deep understanding of commercial lending and credit practices. KEY RESPONSIBILITIES: Credit Administration Functions: Collect and analyze financial statements, tax returns, and other business information to evaluate customer and prospect loan requests. Assist in preparing loan presentations, underwriting analyses, and credit memos for approval. Conduct periodic loan reviews to ensure compliance with loan terms and conditions. Support loan closings by coordinating documentation, ensuring accuracy, and confirming compliance with policies. Monitor loan covenants and follow up with borrowers for required reporting. Customer Contact and Relationship Management: Act as back up support for assigned lender as a point of contact for customers, addressing inquiries regarding loan accounts, modifications, and other banking needs. Work closely with lenders to maintain strong client relationships and ensure excellent customer service. Assist in gathering updated financial and operational information from borrowers as needed. Portfolio Analysis and Management: Conduct ongoing portfolio analysis to identify trends, concentrations, and risks. Track and report on key portfolio metrics, including delinquencies, risk ratings, and renewal schedules. Collaborate with the lending team to develop action plans for underperforming loans or high-risk accounts. Compliance and Risk Management: Ensure adherence to bank credit policies, regulatory requirements, and risk management standards. Identify potential problem loans and recommend solutions to mitigate risk. Maintain detailed and accurate records of credit files and loan servicing activity. Collaboration and Support: Partner with the Chief Lending Officer and lenders to achieve departmental and organizational goals. Support business development efforts by providing analytical insights and recommendations. Assist in special projects, audits, and other duties as assigned as the business need dictates. QUALIFICATIONS: Education and Experience: Bachelor's degree in Finance, Accounting, Business Administration, or a related field. Minimum of 3-5 years of experience in commercial lending, credit analysis, or portfolio management. Knowledge of financial statement analysis, credit underwriting, and risk management practices. Skills and Competencies: Strong analytical and problem-solving skills. Excellent organizational skills with the ability to manage multiple tasks and deadlines. Effective written and verbal communication skills. High level of accuracy and attention to detail. Proficiency in financial analysis tools, loan servicing software, and Microsoft Office Suite. Strong interpersonal skills with the ability to build and maintain customer relationships. Performance Metrics: Accuracy and timeliness of financial analyses and credit reviews. Portfolio performance, including delinquency and risk rating trends. Customer satisfaction and responsiveness. Support and collaboration with the Chief Lending Officer and lending team. WORK ENVIRONMENT: This role is primarily office-based, with occasional travel to meet with customers or attend industry events as needed. EQUAL EMPLOYMENT OPPORTUNITY EMPLOYER New Valley Bank and Trust is committed to diversity and inclusion. We recruit and employ the best qualified individuals without regard to race, religion, color, sex (including pregnancy, gender identity, and sexual orientation), parental status, national origin, age, disability, family medical history or genetic information, political affiliation, military service, or other non-merit-based factors. Equal employment opportunity applies to all personnel actions.