Portfolio Manager in Baltimore, Maryland at CFG Bank

CFG Bank, based in Baltimore, Maryland, is a leading financial institution serving the national healthcare and multifamily markets and the Mid-Atlantic region. As the 6th largest bank in Baltimore by deposits and the largest locally based, we've grown from $1 billion to over $6+ billion in assets by 2026. With over 30 years of expertise, we rank among the top five healthcare bridge-to-HUD lenders in the country. At CFG Bank, we redefine banking by blending big bank capabilities with personalized boutique service. Recognized as a “Best Place to Work” by the Baltimore Business Journal across multiple years, we’re intentional about creating an environment where people feel valued, supported, and excited about work each day. Our goal is simple: to make every team member feel that choosing CFG Bank was one of the best decisions of their career. Join us and experience what sets CFG Bank apart.

POSITION SUMMARY:
The Portfolio Manager is responsible for the ongoing management, monitoring, and administration of a portfolio of healthcare asset-based lending relationships. Working closely with Relationship Managers, Credit, Loan Administration, and external counsel, this role supports all aspects of the credit lifecycle, including underwriting, portfolio monitoring, annual reviews, renewals, risk management, covenant compliance, and loan closings.

This position may be hired at the Portfolio Manager or Junior Portfolio Manager level based on the selected candidate's qualifications, experience, and demonstrated expertise in commercial banking, credit analysis, and asset-based lending.

ESSENTIAL DUTIES AND RESPONSIBILITIES:
• Manage a portfolio of healthcare asset-based lending relationships, including ongoing monitoring of collateral, borrowing availability, credit performance, and portfolio risk.
• Review, analyze, and approve Borrowing Base Certificates and collateral reporting to support client borrowing requests and ensure compliance with credit agreements.
• Analyze borrower financial statements, operating performance, liquidity trends, and cash flow to identify emerging risks and opportunities.
• Coordinate annual reviews, renewals, modifications, and extensions of credit facilities, ensuring accurate analysis and timely completion.
• Prepare and present credit recommendations, risk assessments, and portfolio updates for internal approval committees and management.
• Monitor maturing loans, criticized assets, covenant compliance, and past due obligations, taking proactive action to address potential issues.
• Recommend and maintain appropriate risk ratings for assigned relationships in accordance with bank policy and regulatory guidelines.
• Review field examinations, appraisals, collateral audits, and third-party reports to assess collateral quality and borrowing capacity.
• Partner with Relationship Managers on new credit opportunities, portfolio expansions, and client relationship management activities.
• Coordinate with Loan Administration, Credit, and external legal counsel during loan closings, amendments, modifications, and documentation updates.
• Ensure credit files, approval memoranda, financial reporting, and relationship documentation are complete and audit ready.
• Support workout strategies, problem loan management, and special assets initiatives when necessary.
• Participate in client meetings, site visits, industry conferences, and business development efforts as appropriate.
• Assist with departmental reporting, strategic initiatives, process improvements, and special projects.

QUALIFICATIONS AND REQUIREMENTS:
• Bachelor's degree in Finance, Accounting, Economics, or related field.
• 4+ years of commercial banking, healthcare finance, asset-based lending, or credit underwriting experience.
• Experience managing credit relationships and leading annual review and renewal processes.
• Strong understanding of commercial loan structures, collateral monitoring, and risk management principles.
• Ability to work independently and manage multiple priorities in a fast-paced environment.

WORK ENVIRONMENT: We offer a hybrid schedule, with 4 days in-office and 1 day remote after the initial 90-day period.

COMPENSATION DISCLOSURE:
In accordance with Maryland's Equal Pay for Equal Work Act, we are committed to providing transparent wage information for all posted job opportunities. The wage range for this position is $90,000 to $125,000 annually, plus discretionary performance based bonus. Compensation is determined based on factors such as Experience, Qualifications, and Internal equity.

BENEFITS AND ADDITIONAL COMPENSATION:
Additionally, this position includes a comprehensive benefits package and other forms of compensation, including:
• Employer-provided health benefits: medical insurance, dental and vision insurance, disability insurance, life insurance, mental health support services, wellness program and free on-site gym (for Baltimore-based employees)
• Paid time off: vacation days, sick leave, volunteer days
• Retirement plan: 401(k) with employer match
• Other compensation elements: Discretionary annual bonus and overtime pay for non-exempt positions

EOE STATEMENT: CFG Bank is an Equal Opportunity Employer. We provide equal employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other legally protected characteristic. We are committed to ensuring a diverse and inclusive workplace, and all employment decisions are based on merit, qualifications, and business needs. If you require accommodations during the application process, please contact TalentAcquisition@cfg.bank..

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