Commercial Portfolio Manager II (CRE) in South Easton, Massachusetts at North Easton Savings Bank

Position Summary

The Commercial Portfolio Manager II is responsible for the independent management and administration of assigned C&I commercial relationships. This role partners closely with Commercial Relationship Managers and Credit Administration to support portfolio quality, identify emerging risks and deliver responsive service to borrowers.

The Commercial Portfolio Manager II performs independent credit analysis, manages routine and moderately complex portfolio relationships, and serves as a primary portfolio contact for assigned borrowers. This role specializes in investor and owner-occupied commercial real estate relationships by evaluating property performance, collateral quality, lease activity, and market conditions affecting commercial real estate portfolios.

Essential Job Responsibilities

The essential functions include, but are not limited to:

• Independently manages assigned portfolio relationships and ongoing servicing requirements.
• Monitors portfolio performance, covenant compliance, financial reporting requirements, and credit quality.
• Evaluates emerging risks and recommends risk rating changes and corrective actions when appropriate.
• Ensures portfolio compliance with Bank policies, procedures, and regulatory requirements.
• Performs independent financial statement analysis, cash flow analysis, global cash flow analysis, commercial real estate cash flow analysis, and credit risk assessment.
• Analyzes property operating statements, rent rolls, occupancy trends, debt service coverage, and collateral performance to evaluate credit quality.
• Assists in structuring and underwriting commercial real estate lending transactions, including owner-occupied, investor, acquisition, refinance, and construction lending opportunities.
• Prepares annual reviews, renewals, modifications, and credit approval packages for assigned relationships.
• Assists in structuring credit facilities and developing recommendations for routine and moderately complex transactions.
• Develops market, property, and borrower-specific risk assessments to support credit decisions.
• Serves as the primary portfolio contact for assigned borrowers regarding financial reporting, covenant compliance, renewals, and servicing matters.
• Participates in customer meetings and site visits and supports relationship development efforts.
• Coordinates with Commercial Relationship Managers to identify opportunities to strengthen customer relationships.
• Assists in evaluating and underwriting new commercial real estate lending opportunities.
• Prepares term sheets, commitment letters, and supporting documentation for new and existing relationships.
• Supports portfolio growth initiatives through proactive borrower engagement and relationship support.
• Provides guidance and support to less experienced Portfolio Managers and analysts.
• Demonstrates increasing expertise in commercial credit, portfolio management, and relationship management practices.

Knowledge, Skill & Abilities

• Bachelor's Degree in Finance, Accounting, Business Administration, Economics, or related field preferred.
• Minimum three (3) to six (6) years of commercial banking, credit analysis, portfolio management, or related experience.
• Strong knowledge of commercial credit underwriting, financial statement analysis, cash flow analysis, commercial real estate underwriting principles, and loan documentation.
• Knowledge of commercial real estate valuation concepts, lease analysis, debt service coverage, collateral evaluation, and commercial real estate market fundamentals preferred.
• Ability to independently evaluate borrower performance and credit risk.
• Strong written and verbal communication skills.
• Strong relationship management and customer service skills.
• Ability to manage multiple priorities with limited supervision.

Preferred Experience:

• Experience supporting commercial real estate loan portfolios, including investor and owner-occupied properties.
• Experience analyzing commercial property cash flow, rent rolls, appraisals and collateral performance.

Physical Demands

This position is an office-based position in terms of physical demand. Employees are expected to be able to operate their fingers and hands to perform functions such as typing, writing, and filing. Employees must also be able to move throughout the office with ease while also being able to sit for extended periods of time. Employees must be able to see and hear in an office setting that does include much noise going on around one’s workspace. While this job is mainly clerical, there are instances in which employees must be able to transport up to 20 pounds.

Note

The above is a description of the ordinary duties of the position. It should be expected that from time-to-time other duties (both related and unrelated to the above) may be assigned and are therefore required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Pay Range Disclosure

The pay range for this position is based on the lowest to highest salary we reasonably and in good faith expect to pay for this position at the time of this posting. Actual pay will depend upon several factors including, but not limited to, relevant education, qualifications, certifications, experience, business or organizational needs, affordability and market pay. The posted range may be modified in the future as market data or organizational priorities change.

This position is not subject to SAFE Act Registration Requirements. Pursuant to the SAFE Act requirements, all applicants for employment who will be engaged in residential loan mortgage originations (as defined by the SAFE Act) must register with the federal registry system and maintain a status in good standing under the SAFE Act requirements.

North Easton Savings Bank is dedicated to being an equal opportunity workplace. To reach and maintain this goal, the Bank strictly prohibits harassment and discrimination based on gender, sex, race, ethnic background, age, physical disability, mental disability, and anything else protected by law. North Easton Savings Bank welcomes diversity and we believe that diversity is the root of successful teams and an overall successful workplace.