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Commercial Credit Portfolio Manager Jobs (NOW HIRING)

Dedham Savings

Credit Portfolio Manager II

Dedham, MA · On-site

$92K - $128K/yr

SUMMARY The Credit Portfolio Manager II manages and monitors an assigned portfolio of significant and complex Commercial Lending relationships. The role provides experienced credit analysis support ...

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Commercial Credit Portfolio Manager information

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$63K

$109.1K

$150.5K

How much do commercial credit portfolio manager jobs pay per year?

As of Aug 14, 2026, the average yearly pay for commercial credit portfolio manager in the United States is $109,147.00, according to ZipRecruiter salary data. Most workers in this role earn between $90,500.00 and $124,500.00 per year, depending on experience, location, and employer.

How does a commercial credit portfolio manager typically collaborate with relationship managers and risk teams?

As a Commercial Credit Portfolio Manager, you’ll work closely with relationship managers to assess client needs and structure credit solutions that align with both client objectives and the institution’s risk appetite. You’ll also partner with risk teams to review credit applications, monitor portfolio performance, and ensure compliance with internal policies and regulatory requirements. This collaboration is essential for balancing client satisfaction with prudent risk management, and often involves regular meetings, joint client calls, and shared reporting responsibilities.

How much do commercial credit portfolio managers make?

Commercial credit portfolio managers typically earn a median annual salary ranging from $80,000 to $150,000, depending on experience, location, and the size of the portfolio managed. Senior managers or those in high-cost areas can earn higher compensation, often supplemented with bonuses and benefits. Strong analytical skills and industry certifications can also influence earning potential.

What does a commercial credit portfolio manager do?

A Commercial Credit Portfolio Manager is responsible for overseeing a portfolio of business loans and credit exposures for a financial institution. They assess credit risk, monitor the financial health of borrowers, and ensure that the portfolio adheres to the institution’s risk policies. Their duties often include analyzing financial statements, approving or recommending credit decisions, and working with relationship managers to support client needs. They play a key role in minimizing credit losses while supporting business growth. The role requires strong analytical skills, knowledge of credit markets, and attention to regulatory compliance.

What are the key skills and qualifications needed to thrive as a commercial credit portfolio manager?

To thrive as a Commercial Credit Portfolio Manager, you need strong analytical skills, in-depth knowledge of credit risk assessment, and a background in finance or accounting, often supported by a bachelor's degree and relevant experience. Familiarity with financial modeling software, credit risk management systems, and regulatory compliance tools is typically required. Exceptional communication, decision-making, and relationship management skills help you effectively collaborate with clients and internal teams. These competencies are essential to ensure sound credit decisions, minimize risk, and support profitable portfolio growth.
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Commercial Credit Portfolio Manager jobs near you

Credit Portfolio Manager III

Atlantic Union Bank

Raleigh, NC • On-site

$52.02 - $86.80/hr

Full-time

Posted 9 days ago

Atlantic Union Bank rating

7.8

Company rating: 7.8 out of 10

Based on 6 frontline employees who took The Breakroom Quiz

88th of 171 rated banks

Job description

Responsible for providing an independent perspective in underwriting and managing complex Wholesale Banking loans and relationships up to the bank's legal lending limit. Partners with Relationship Managers, Credit Portfolio Managers, and the Credit Portfolio Management Team Leader in delivering credit solutions through: underwriting, portfolio management, deal team management, and extensive internal and external client interaction. Credit Portfolio Manager III is expected to be a subject matter expert (SME) in the respective portfolio and adheres to all regulatory and compliance guidelines.
Position Accountabilities
  • Lead the independent underwriting process for new and renewal opportunities for clients and prospects within an assigned portfolio. The position will be assigned to some of the more complex credits and larger portfolios within the Wholesale Bank.
  • Provide in-depth, independent analysis of financial statements, management competencies, industry impact, competitive dynamics, collateral, and guarantor support for new/renewal opportunities and other credit risk management deliverables.
  • Prepare detailed short or long-term financial projections within a vendor provided solution such as Moody's Risk Analyst or within an Excel spreadsheet.
  • Make recommendations to Relationship Managers and Credit Approvers regarding credit amount, structure, and policy compliance.
  • Manage assigned portfolio by proactively monitoring performance and trends, ensuring risk rating integrity, ensuring timely compliance with all covenants, identifying issues and following through for remediation, and assisting with compliance and regulatory reviews.
  • Participate or lead client calls with Relationship Manager for in-depth financial questions, deal information, collection of financial statements, and other portfolio management requirements
  • Participate in special projects to aid with the continuous improvement of portfolio management.
  • Adhere to all applicable laws and regulations governing bank operations, including compliance with Atlantic Union Bankshares' BSA/AML Policy and Procedures.
  • Prioritize new deal, renewal, and portfolio management requirements and coordinate as appropriate with clients and prospects, Relationship Managers, Credit Risk, Treasury Management, and other internal and external stakeholders.
  • This senior position may mentor CPMs I and II, as appropriate.

Organizational Relationship
This position reports to the Team Leader - Credit Portfolio Management.
Position Qualifications
Education & Experience
  • Bachelor's degree in Accounting or Finance and seven or more years of experience in a commercial lending environment

Knowledge & Skills
  • Experience across multiple lines of business, including but not limited to Commercial & Industrial, real estate development and builder lines, service, retail, commercial real estate, religious organizations and government. If supporting commercial real estate lenders, requisite skills would also include construction loan underwriting and administration (construction budgets, sources/uses, construction draw administration, property entitlement, lease analysis and property valuation principles).
  • Considered a SME for aligned industry, commercial credit and lending concepts, practices and regulations.
  • Advanced written and analytical skills to encompass an ability to analyze balance sheet structure, and income and cash flow trends.
  • Consistently demonstrates ability to make complex decisions and sound business judgments regarding business and lending activities
  • Skilled in the analysis of financial statements, tax returns and cash flows of commercial & industrial companies, or commercial & residential real estate companies (as applicable).
  • Knowledge of financial statement spreading, including proficiency in preparing pro-forma statements within Moody's or other software package.
  • Excellent written, oral and interpersonal skills, to include selling, structuring, negotiating, closing, maintenance, modifications and problem resolution
  • PC proficiency with Word and Excel, including the use of system and user generated formulas, macros, charts, and tables.
  • Ability to research industry sources needed for credit evaluations.
  • Strong organization skills with the ability to self-manage time and work flow to meet deadlines.
  • Ability to manage multiple projects at one time.
  • Ability to work independently as well as within a team environment

Salary offered will be based on several factors including but not limited to education, work experience, certifications, etc. This position is also eligible to participate in either an applicable incentive compensation plan for the position or a discretionary profit sharing bonus program. General information on our comprehensive benefits package can be found by visiting https://www.atlanticunionbank.com/about/careers/benefits.
We are proud to be an Equal Employment Opportunity employer. We maintain a drug-free workplace.
Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

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