Commercial Portfolio Manager Resume Sample
Work Experience
- Proactively monitors and manages the needs of client companies
- Works with internal and external business partners to ensure banking products and services are provided to meet
- Proactively monitoring and managing the needs of client companies
- Works with internal and external business partners to ensure banking products and services are provided to meet the needs of client companies in a timely manner
- Works independently and collaborates when necessary with Senior RMs to support the profitable growth of the clients' accounts
- Maintains a strong knowledge of banking products and services, as well as knowledge of the industries or market areas
- Small Business Lending Center Team
- Credit Approval / Risk Management
- Small Business Banking Officers
- Retail Branch Staff
- Small Business Service Representatives
- Special Accounts Management Unit
- Call on existing customers in order to retain and increase existing business relationship; cross-sell additional bank products
- Independently manage and maintain an assigned portfolio
- Maintain timely renewals of loan maturities of lending center
- Monitors current loans and credit lines to ensure compliance with terms
- Facilitate borrower financial reporting submissions to RTC
- Ensure the timely completion of credit file updates
- Coordinate pre-closing activities in conjunction with CLS
- Administer loan rating adjustments as needed
- Preparation of loan approval packages for SLAC and other approval including file reviews, LPSS presentation
- Monitor and manage credit analysis preparation and responses
Education
Professional Skills
- Intermediate Microsoft Office skills with a stronger emphasis on Excel
- Strong strategic marketing, analytical and planning skills
- Strong analytical, mathematical and problem solving skills with the ability to analyze and interpret quantitative data and formulate sound conclusions
- Solid credit skills in underwriting, financial modeling, valuations, financial analysis and credit presentation write up and adherence to policy
- Commercial credit analysis experience and/or commercial loan underwriting and loan administration experience
- Good oral and written communication skills needed to create relationships with clients and when making loan presentations
- The ability to clearly communicate verbally as well as through effective writing skills
How to write Commercial Portfolio Manager Resume
Commercial Portfolio Manager role is responsible for credit, analytical, financial, training, customer, creative, software, analysis, banking, organization.
To write great resume for commercial portfolio manager job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Commercial Portfolio Manager Resume
The section contact information is important in your commercial portfolio manager resume. The recruiter has to be able to contact you ASAP if they like to offer you the job. This is why you need to provide your:
- First and last name
- Telephone number
Work Experience in Your Commercial Portfolio Manager Resume
The section work experience is an essential part of your commercial portfolio manager resume. It’s the one thing the recruiter really cares about and pays the most attention to.
This section, however, is not just a list of your previous commercial portfolio manager responsibilities. It's meant to present you as a wholesome candidate by showcasing your relevant accomplishments and should be tailored specifically to the particular commercial portfolio manager position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Commercial Portfolio Manager resume experience can include:
- Excellent writing and verbal communication skills and confidence in working with internal and external senior level individuals
- Solid credit skills in; underwriting, financial modeling, valuations and adherence to policy
- Solid customer service, relationship, organizational, analytical and creative problem solving skills
- Time Management, Sales, Presentation Skills
- Working level / demonstrated aptitude to interpret and evaluate consumer credit bureau reports, Dun & Bradstreet business reports and public records
- Commercial banking experience including credit underwriting
Education on a Commercial Portfolio Manager Resume
Make sure to make education a priority on your commercial portfolio manager resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your commercial portfolio manager experience. For example, if you have a Ph.D in Neuroscience and a Master's in the same sphere, just list your Ph.D. Besides the doctorate, Master’s degrees go next, followed by Bachelor’s and finally, Associate’s degree.
Additional details to include:
- School you graduated from
- Major/ minor
- Year of graduation
- Location of school
These are the four additional pieces of information you should mention when listing your education on your resume.
Professional Skills in Commercial Portfolio Manager Resume
When listing skills on your commercial portfolio manager resume, remember always to be honest about your level of ability. Include the Skills section after experience.
Present the most important skills in your resume, there's a list of typical commercial portfolio manager skills:
- Excellent credit skills in underwriting, financial modeling, valuations and adherence to policy
- Strong organizational skills with attention to detail, planning, and follow-up
- Think critically and creative problem solving skills
- One year previous lending experience or three years job related experience,
- Presentation skills to both internal and external client
- Proficient with Excel, Power Point, and basic computer skills
List of Typical Experience For a Commercial Portfolio Manager Resume
Experience For Senior Commercial Portfolio Manager Resume
- Solid; customer service, relationship, organizational, analytical and creative problem solving skills
- Effectively present information and respond to questions from groups of managers, clients, customers, and the general public,
- Banking or equivalent regulatory/bank policy experience including credit analysis
- Experience underwriting and documenting complex and/or syndicated commercial loans
- Experience as commercial credit analyst, including successful completion of commercial credit training program, required
- 1-3years of credit analysis experience and working with Credit Analysts/Underwriters and Relationship Managers or bankers
Experience For Commercial Portfolio Manager, Small Business Resume
- Participate in training seminars and workshops to enhance skill level
- At least three years direct experience in a Commercial Lending environment
- Leadership of multidisciplinary teams to effective implementation of strategy
- Collaborate with Commercial Manager and Relationships Managers to ensure smooth client experience
- Strong ability to execute against a well thought out and transparent plan
- Relevant experience in commercial banking
- Experience with various software applications including word processing and spreadsheets
Experience For AVP, Commercial Portfolio Manager Resume
- Experience underwriting and documenting complex and/or syndicated commercial loans
- Experience underwriting and documenting loans
- Experience in Middle Market or specialty area managing a book of business > $100MM in total commitments
- Demonstrated success structuring and underwriting commercial credit
- Experience in portfolio or relationship management, required
- Proven ability to work independently and cross functionally
- Marketing Analysis, Insight Development and Interpretation
Experience For RE Commercial Portfolio Manager Resume
- Identify and manage accounts on Watchlist which are paying as agreed--accounts risk rating 8 or higher
- In-depth understanding of accounting and finance, financial statement and cash flow analysis
- Subject Matter Expert level understanding of accounting and finance, financial statement and cash flow analysis
- Comprehensive understanding of underwriting
- Responsible for managing and servicing a portfolio of commercial loan relationships
- Sound judgment, decision-making ability, and the ability to work in pressure situations
- Works with Loan Officers, Lending Assistants, and Credit Analysts to coordinate the due diligence process
Experience For AG Commercial Portfolio Manager Resume
- Loan Structuring and Documentation
- Responsible for the sound structuring of new loans, loan modifications, and other agreements
- Negotiates with clients, private equity companies, participant banks and other parties pertaining to loan terms,
- Assist the Portfolio Managers in reviewing transactions
- Responsible for periodic amendments to pricing based on market changes
- Assist in updating related policies and procedures
- Prepare portfolio data to support Credit department in preparing customer write-ups
Experience For Commercial Portfolio Manager Nfp-flexible STI Location Resume
- Builds and maintains a positive working relationship with internal business partners (Loan Operations, Credit Administration, Branch personnel etc.)
- Detailed understanding of ABPI Code of Practice and its practical application in a business environment
- Knowledge and understanding of the modern NHS/HSE/Department of Health Ireland and how to influence it favourably
- Requisite understanding of financial ratios and business principles
- Varied and flexible working days
- Handles reporting on loans such as past dues, documentation and collateral exceptions, financial performance updates, portfolio profitability, risk grades, etc
- Assists bankers with new and existing loan requests and other special projects
- Manage existing client relationships
- Ability, at a working level, to make sound transactional decisions to ensure policies and directives are met
Experience For Commercial Portfolio Manager Ii Cyrf Resume
- Formal bank credit training desired
- Works independently and collaborates when necessary with Senior RMs to support the profitable growth of the
- Presents new loan requests, and modification requests to Credit Officers and Credit Committees
- Complete data analysis on customer and product trends
- Manage database of market rates
- Complete regular analysis of program profitability and assist in the maintenance of related rate cards
- Help respond to customer requests for buyouts/extensions
Experience For Commercial Portfolio Manager, Czh Resume
- Complete ad hoc projects to assist the Portfolio Management and Credit teams
- Manages the flow of loan requests through the appropriate channels to ensure that structure and pricing meet the needs of the client and the operating objectives of the Bank
- Underwrites loan requests within the parameters of the Bank’s policies and procedures. Ensures that loan packages are accurate and complete when submitted to the Loan Administration for approval
- Ensures that all required documentation is in file for all loans and deposits. Clears documentation or compliance deficiencies noted by Loan Operations or other review
- Helps to maintain portfolio quality through required annual reviews based on Bank guideless, required covenant checks and overall general loan portfolio servicing
- As a teammate to the Banker, serves as a trusted advisor to clients and prospects within the context of risk management
- Works with Commercial Banker and Loan Assistant to minimize past due loans
- Supports the Relationship Manager in monitoring on an on-going basis information concerning customer performance as it relates to the successful completion of the project., to provide information to the relationship manager to determine that loan is an acceptable risk
Experience For Commercial Portfolio Manager Rotation Resume
- Five (5) years of commercial credit or portfolio management related experience
- Impact extends to Bank's long-term operations, revenues and profitability
- Document actions and borrower requests in Company’s internal software applications
- Monitors industry trends and analyze specific industry trend data to identify potential areas of risk in the loan portfolio
- Supports Bankers via early preflight process to help evaluate potential opportunities and to develop effective underwriting and sales strategy, perhaps even prior to Credit Officer Involvement
- Assists in the assessment of risk and management of the Commercial Portfolio
- Maintains primary responsibility for Past Due Monitoring, Annual Reviews, Renewals, Covenant Compliance, and Financial Information Collection Process, with strong teamwork from Banker and LOA
- Via financial analysis and client interaction, helps banker evaluate financial information and determines whether a credit is an acceptable risk for the portfolio
Experience For Commercial Portfolio Manager, Not for Profit Resume
- Supports Bankers in calling and business development efforts, as available, to enhance process efficiency and customer experience
- Drives pending maturities approval and renewal process
- Coordinates financial statement spreading process to ensure accuracy and efficiency
- Evaluates pertinent final information and determines whether an existing credit is an acceptable risk
- Prepares all required CPS, Loan Officer Narrative, Relationship Summary, Loan Pricing Model, and prepares packages for the Credit Analysis Department
- Completes periodic covenant compliance
- Provides meaningful support to PM teammates as needed
List of Typical Skills For a Commercial Portfolio Manager Resume
Skills For Senior Commercial Portfolio Manager Resume
- Working level / demonstrated knowledge of cash flow, credit and collateral evaluation
- Working level / demonstrated knowledge of general business and industry trends, risk, etc
- Lending and/or sales experience necessary
- Experience in Commercial Banking portfolio management, including in Portfolio Manager 3 role
- One to three years of experience underwriting and documenting complex and/or syndicated commercial loans
- Working knowledge of various software packages, including word processing, spreadsheet, electronic mail and presentation, and banking systems
- Working knowledge of commercial and/or related lending required
- Managing portfolio of clients of both bilateral and syndicated senior credit facilities, (agented and participations)
- Understanding of financial statement analysis and cash flows
Skills For Commercial Portfolio Manager, Small Business Resume
- Working level ability to make sound transactional decisions to ensure policies and procedures are met
- Knowledge of banking, including an understanding of commercial lending and credit and appropriate banking laws, regulations and bank policies and procedures
- Support underwriting efforts by completing due diligence on Risk Rating & RAROC Models and thorough review of all credit approval presentations (CAPs)
- Assist lending officers in assembling other essential components of commercial loan approvals, monitoring and review
- Deep knowledge of credit analysis, spreading and analyzing financial statements, credit scoring, loan documentation, etc
- Knowledge of various types of; loans, credit analysis, spreading and analyzing financial statements, risk analysis, credit scoring, loan documentation, etc
- Previous formalized credit training required including commercial lending system usage
Skills For AVP, Commercial Portfolio Manager Resume
- Responsible for managing and servicing a portfolio of existing loan relationships
- With teamwork from Banker and LOA, manages financial statement tracking and collection, and manages documentation exception tracking and clearing activities
- Portfolio Management, including Financial Reporting and Covenant Tracking
- Covenant Compliance: Monitoring, testing, preparation of waivers and Reservation of Rights letters
- Collaborate in coordinating pre-closing activities
Skills For RE Commercial Portfolio Manager Resume
- Work directly with the RM, sales and credit personnel in generating approval documents while also helping to protect the quality of the Bank's loan portfolio
- Manage annual reviews and renewals, amendments, covenant waivers, portfolio reviews, collateral exceptions, borrowing bases, delinquencies, and other reporting
- As appropriate, assist in optimizing customer relationships working directly with Relationship Managers and other team members
- Manage risk on an ongoing basis by monitoring general business conditions and customer credit worthiness and adherence to loan terms
- Generous employee benefits, including immediately vesting of 401K
- Knowledge of credit analysis, spreading and analyzing financial statements, projections, loan documentation, etc
Skills For AG Commercial Portfolio Manager Resume
- Proactively identify warning signs of declining creditworthiness and work with RM’s to ensure early intervention in order to minimize losses
- Support RM’s to ensure new and ongoing credit facilities are documented and closed according to the approval document
- Complete quarterly Problem Asset Reports for the loan officer’s portfolio for review and approval and assist with managing credit monitoring items
- Prepare the LON, Relationship Summary, Pricing Model, and begin preparing financial information to send for review to the Credit Department
- Communication, Critical Thinking, Problem Solving,
- Basic knowledge of commercial and retail lending services, documentation, underwriting and regulatory guidelines
- Responsible for periodic reporting for forecasting and portfolio analysis
- Accompanies RM on calls as appropriate as well as going on calls independently to smaller customers
- Maintain timely renewals of loan maturities for assigned lending team
Skills For Commercial Portfolio Manager Nfp-flexible STI Location Resume
- Monitors high risk loans via established procedures, with transfers Special Assets Monitoring Unit as appropriate
- Facilitates the loan portfolio management process and reporting
- Possesses knowledge of hedging agricultural commodities-highly desired
- Position requires client visits/independently communicate to borrowers regarding credit/financial matters/loan administration
- Articulate and defend your analytic conclusions verbally and in writing
- Advanced knowledge of commercial and/or related lending required
- Resolve customer problems independently
- Assists RM in call preparation
Skills For Commercial Portfolio Manager Ii Cyrf Resume
- Continuously monitors current loans and credit lines to ensure compliance with terms and proactively manages risk/exposure and compliance with Credit Policy for assigned portfolio
- Facilitate borrower financial reporting submissions to Bank. Responsible for evaluating financial performance of borrower and based on a variety of factors determining an appropriate risk rating
- Independently evaluates structures, risk rates and underwrites companies with risk exposure or potential risk exposure to the bank. Ensures appropriate compliance with all bank requirements and loan covenants
- Negotiates terms and conditions of credit with Loan Officers. Proactively manages credit risk and exposure for an assigned portfolio; initiates credit modifications and risk rating upgrading/downgrading, modifying terms and frequency of covenants, financial reporting, collateral security, audit schedule, etc
- Strong interpersonal communication skills and ability to lead a deal team
Skills For Commercial Portfolio Manager, Czh Resume
- Knowledgeable in GAAP accounting principles and financial statement
- Actively working to expand and develop Centers of Influence and presence in the Community
- Exhibits the ability to decision applications in a grey/review area of scoring and apply subjective criteria to render a decision within their authority level
- Assists with special projects as necessary and instructed by RM
- Confirm accuracy of cash flow and collateral schedules, covenant sensitivity calculations, financial models, and guarantor statement analysis contained in CAPs
- Assists Relationship Manager(s) (RM) with the management of a defined portfolio of existing Commercial Customers with revenues between $10MM and $100MM and borrowing needs of $1.0MM or more
- Assists Relationship Manager(s) (RM) with the management of a defined portfolio of existing Commercial Customers with revenues between $10MM and $100MM and borrowing needs of $1.0MM or more and/or CRE borrowing needs of $5.0MM of more
Skills For Commercial Portfolio Manager Rotation Resume
- Structure, underwrite, and close broadly-syndicated, complex commercial loans in accordance with bank policy
- Provide credit recommendations to senior management and/or the appropriate level of credit administration
- Underwrites and approves National Settlements' commercial loans in accordance with HBI commercial credit policy
- Structure, underwrite, and help to close complex commercial loans
- Review and negotiate loan documentation in consultation with legal counsel and the RM
- Prepare credit packages for annual reviews, renewals, loan requests, portfolio reviews, and criticized asset reviews
- Provide credit recommendations via formal written and verbal presentation to the appropriate level of credit administration
- Manage your portfolio for compliance on a continual basis, including monitoring and resolving collateral exceptions, payment delinquencies and delinquencies of required customer reporting
Skills For Commercial Portfolio Manager, Not for Profit Resume
- Prior Commercial Credit Analysis experience
- Prior Commercial Credit Analysis/Portfolio Manager experience
- Prioritize tasks and operate with a sense of urgency
- Experience in financial analysis, loan structuring, underwriting or portfolio administration
- Experience in Commercial Banking portfolio management, including in Portfolio Manager 2 role
- Experience in underwriting, portfolio administration, commercial loan credit decision-making
- Experience in the Equipment Finance industry is not required but desired
- Commercial credit portfolio experience
List of Typical Responsibilities For a Commercial Portfolio Manager Resume
Responsibilities For Senior Commercial Portfolio Manager Resume
- Experience underwriting and documenting complex and/or syndicated commercial loans
- Previous Small Business Credit Scoring and Underwriting experience is required
- Working knowledge of general business and industry trends, risk, etc
- Participate with Lender in ongoing marketing to include making direct sales calls to prospects and customers
- Support the clearing of financial statement and documentation exceptions
- Direct financial information to commercial credit analysts for spreading and analysis
- Monitor new developments in lending, compliance with loan policies and compliance with appropriate regulations
Responsibilities For Commercial Portfolio Manager, Small Business Resume
- Work independently and in groups on multiple tasks without compromising quality
- Participates in and supports special projects for the Bank as needed
- Identifies loans with an amount above $1MM and extended maturities greater than 1 year from the current date
- Prepares lists of financial information needed for specific loans and sends a renewal or annual review reminder to the customers
- Completes the annual reviews the month of loan anniversary
- Work within a highly scrutinised and challenged, (global and UK & Ireland) team in order to meet the demands associated with a major pharmaceutical product launch
- Structure, underwrite, and close complex commercial loans
Responsibilities For AVP, Commercial Portfolio Manager Resume
- Works as a member of the customer’s Credit Deliver Team in conjunction with Relationship Manager, Credit Officer, etc
- Generate/complete Financial Spreads and required cash flow analysis as needed based on customer information submitted to BFG
- Develop, document and maintain up-to-date departmental procedures related to annual reviews, covenant compliance, the administration of development lines of credit, concept reviews
- Prepare concept reviews for the Executive Management Team and partner with designated Sales/BDO's to assess and understand top 15 concepts by exposure (TCE). Perform reviews of Franchisor Financial Disclosure Documents both for prospective new concepts and for existing concepts with which BFG is active
- Conduct annual portfolio reviews by concept that combine FDD reviews, client reviews, exposure by concept trends, etc. to assess risk profile of BFG portfolio in each concept
- Work with BFG administrative staff to develop and maintain system based reporting and monitoring of annual reviews and covenant compliance
- Manage Syndication Bank relationships on both the Buy and Sell side
- Provide recommendations to Senior Management on action steps for troubled accounts
Responsibilities For RE Commercial Portfolio Manager Resume
- Assist Commercial team in account management, contract renewals management
- Prepare collateral for negotiations and sales closure for Global Majors accounts (client/market research)
- Manage and maintain strong relationships with existing business base. Communicate with clients regarding all Platts licenses issues and direct their resolution. Act as an internal key contact for all client issues, collaborating closely with Relationships Managers
- Lead end to end sales fulfillment process
- Work closely with senior leadership on commercially oriented projects
- Travel occasionally, work long hours and weekends
- Maintains primary responsibility for Past Due Monitoring, Annual Reviews, Renewals, Covenant Compliance, and Financial Information Collection Process, with strong teamwork from Banker, LOA and Credit Analysis
- Completes annual reviews (with assistance, as needed, from Credit Analysis)
- Completes periodic covenant compliance (with assistance, as needed, from Credit Analysis)
Responsibilities For AG Commercial Portfolio Manager Resume
- With teamwork from Banker, LOA and Credit Analysis, manages financial statement tracking and collection, and manages documentation exception tracking and clearing activities
- Collaborate with support function to develop strategies for negotiations with local authorities, potential buyers, and/or claimants
- Prepare, steward, and obtain endorsement of property transfer, property disposition, and settlement strategies
- Manage a commercial portfolio in United States and America South (US/AS) regions by
- Work with both Loan Assistant and Lender to collect financial and related data in order to determine the general credit worthiness of prospects and customers and determine the merits of the specific loan request
- Prepare the loan submission form, addendums and other components of the loan submission package for both new and maturing loans
Responsibilities For Commercial Portfolio Manager Nfp-flexible STI Location Resume
- Otherwise assist in all aspects of managing Lender's portfolio
- Support the collection of past due loans
- Assist in preparation of various reports and submissions to credit administration and loan review
- High level of professionalism and team player
- Comfortable with MS Office programs
- Proven experience of working effectively with, and a detailed knowledge of the bank’s IT systems, including RBPM, Excel, Powerpoint, Word, Browser Main Menu, Global Links, Group Intranet, etc
- Advanced level expertise with MS Office – most particularly with Excel
Responsibilities For Commercial Portfolio Manager Ii Cyrf Resume
- Considered a market and industry resource, providing expertise and advisory guidance in complex debt and capital solutions, has a proven and in-depth knowledge of credit products, risk assessment and debt structuring
- Expert knowledge of various types of loans, credit analysis, spreading and analyzing financial statements, risk analysis, credit scoring, loan documentation, etc
- Interview loan applicants as needed to develop information concerning their business, needs, abilities and earnings to determine whether the loan would be an acceptable risk to RTC
- Identify challenges and use analytical reasoning to create and develop possible solutions
- Proficiency with financial spreadsheet and Microsoft Office
Responsibilities For Commercial Portfolio Manager, Czh Resume
- Experience in Commercial Lending managing a book of business > $100MM in commitments and/or outstandings, and/or supports a specialty area, i.e. Syndications, Large Corporate or ABL
- Interview loan applicants as needed to develop information concerning their business, needs, abilities and earnings to determine whether the loan would be an acceptable risk to the Bank
- Experience in portfolio or relationship management, required
- Working knowledge of lending policies and procedures, principles and philosophy
- Knowledge of compliance with federal regulations pertaining to commercial banking
- Be responsible for managing and servicing a portfolio of commercial loan relationships
Responsibilities For Commercial Portfolio Manager Rotation Resume
- Bachelors in Finance, Accounting, Real Estate, Economics, or other related field
- Thorough knowledge of and ability to review required legal documents
- Handle multiple tasks simultaneously in a fast paced, diverse and growth -oriented environment
- Provides guidance and technical support to Portfolio Managers I & II
- Prepare financial projections spread financial statements and prepare written analysis reports
- Excellent Personal computer skills to include various software packages, including word processing, spreadsheet (including complex functions and macros), electronic mail and presentation, and banking systems
Responsibilities For Commercial Portfolio Manager, Not for Profit Resume
- Proven ability to multitask while meeting deadlines
- Attention to detail leading to accurate and reliable work product
- Desire for professional growth and development
- Read, analyze, and interpret general business periodicals, professional journals, technical procedures, and procedure manuals,
- Interpret a variety of instructions furnished in written, oral, diagram, or schedule form, and
- Has successfully held similar role with commercial financial institution or has demonstrated mastery with the Commercial Portfolio Sr. Analyst functions and completion of a formal Commercial Banking Training Program
- South State Bank credit policies, procedures and underwriting standards
- Annual regulatory and compliance training