The Commercial Portfolio Manager provides strategic support to the East Region Commercial & Industrial Banking team. This role focuses on managing portfolio risk, supporting credit analysis, and assisting with special projects to ensure strong client relationships and sound credit practices.
Responsibilities
Portfolio & Client Management:
- Partner with commercial banking leadership and designated bankers to manage existing client relationships and evaluate potential new clients.
- Assist with onboarding customers, ensuring a smooth process through coordination with internal teams (Loan Coordinator, Treasury Management, Credit, etc.).
- Monitor booked credit facilities, including interim financial reviews, borrowing base reviews, covenant compliance testing, annual reviews, and problem loan administration.
Credit Analysis & Risk Management:
- Analyze financial statements and prepare credit proposals for existing and prospective clients.
- Review loan committee presentations, annual credit reviews, and problem loan summaries.
- Maintain reporting infrastructure and develop portfolio trend reports to monitor risk and industry guidance.
- Administer nonperforming loans and support risk mitigation strategies.
Bell Bank Culture, Policy and Accountability Standards:
- Know by name and face as many customers and employees as possible, calling them by name as often as possible.
- Know and practice LOCBUTN, our Golden Rules, and Bell Bank Customer Service Standards.
- Know, understand, and live the company values and bottom line.
- Conduct activities consistent with established Bell Bank policies, procedures and systems, the Bell Bank Employee Conduct policies, the Bank Secrecy Act and all applicable state and federal laws and regulations.
- All employees are responsible for information security, including compliance with policies and standards which protect sensitive information.
- Prompt and reliable attendance.
- Perform other duties as assigned.
Education, Experience, and Other Expectations:
- Bachelor's degree in accounting, finance, business administration, or a related field; or equivalent experience required.
- Three or more years of experience in commercial credit, commercial lending, or financial examination.
- Basic understanding of loan documentation and regulatory compliance requirements.
- Experience in risk assessment.
Skills and Knowledge:
- Proficient credit analysis and financial modeling skills.
- Good written and verbal communication abilities.
- Ability to manage multiple priorities and deadlines effectively.
- Basic knowledge of commercial lending guidelines and industry best practices.
- Ability to provide credit structure guidance for simple loan transactions and review internally prepared loan documentation for accuracy.
- High level of attention to detail and accuracy.
- Commitment to customer service excellence and relationship building.
- Desire to expand lending knowledge through external training as well as on-the-job training with more tenured portfolio managers.
Additional Details :
If you like to work with people in a family atmosphere, enjoy great benefits and provide unequaled personal service to every customer, consider a career with Bell Bank.
Bell Bank was founded in 1966 and is headquartered in Fargo, North Dakota. It is the largest family-and employee-owned bank in the upper Midwest, and one of the largest in the nation, with assets of more than $14 billion. Bell Bank has full-service banking locations in North Dakota, Minnesota and Arizona. Bell has empowered more than $30 million in charitable giving through its unique Pay It Forward initiative, through which every employee chooses each year how to help individuals, families and organizations in need.
Bell Bank has been recognized as a top workplace by American Banker, Forbes and Fortune. If you want to work for an established, growing, forward-looking organization with world-class employees, this is the place for you. Let Bell Bank be your destination workplace.
Bell's Values:
As stewards, dedicated to the growth and reputation of this independently owned organization, we are committed to:
- Promoting and sustaining our family atmosphere.
- Providing unequaled personal service to each and every customer.
- Paying it forward
Our Bottom Line:
Happy Employees! Happy Customers!
In addition to salary, Bell Bank offers a comprehensive benefits package including, healthcare, (medical, dental, vision) employee stock ownership program, and 401(k) contribution and profit-sharing plan. All benefits are subject to eligibility requirements.
Bell Bank
Equal Opportunity Employer
Pay Transparency The posted salary range represents multiple regions; compensation for this position may vary depending on the geographic location of the position. For roles indicating a salary range of $31,200 ($15) to $150,000 ($72.12), this reflects a commission-based position where actual earnings will fluctuate based on sales performance and client retention.
