The Head of Portfolio Management plays a key first-line role in supporting the Bank’s commercial credit portfolio by strengthening front-end risk discipline, enhancing ongoing portfolio awareness, and ensuring timely and complete financial information for assigned customer relationships. This position is designed to proactively identify emerging risks, support Relationship Managers (RMs) through the stages of deal structuring and closing. The position serves as an early-warning risk partner within the business. The role emphasizes judgment, escalation, and coordination rather than transactional credit processing. The Head of Portfolio Management ensures high-level financial reviews are performed upon receipt of borrower information to identify potential weaknesses, adverse trends, or sector-related risks, and promptly escalates such concerns to the Relationship Manager and the Credit partners for independent assessment. In addition, the role supports origination through preliminary (“soft-quote”) analyses to assess alignment with the Bank’s risk appetite and identify structural or credit issues before formal Credit involvement. While supported by the Client Support Unit in the collection of financial statements and other required documentation, the Head of Portfolio Management, together with the RMs, retains accountability for the ongoing administration of customer relationships, including the timeliness, completeness, and quality of information provided to Credit. The head of the portfolio managers is responsible for ensuring that annual review, renewals, covenant tests, ticklers and post closing items are tracked and addressed in a timely manner. The head of portfolio managers is responsible for recruiting, hiring, training and development of portfolio managers, specifically in the areas of credit, credit policy, risk rating, and loan documentation. The head of Portfolio Management operates within clearly defined governance and escalation frameworks to preserve separation of duties, independent credit oversight, and regulatory compliance. Responsibilities: 1.Credit Administration Oversight Upcoming Maturities (Annual Reviews / Renewals) Review upcoming maturities reports with the PM Team consistently. Ensure timely collection of required financial information to complete analysis, obtain approval, and close renewals. Escalate risks of delayed renewals to leadership and coordinate on extensions when necessary (limit to one 90-day extension). Covenant Testing Review covenant testing reports regularly with the PM team. Ensure timely receipt and analysis of financials, accurate covenant testing, and proper tickler updates. Escalate risks of late covenant testing. Ensure covenant test dates align with borrower reporting cycles. Deposit Covenants Collaborate with Client Support and Relationship Managers to ensure timely review of deposit covenants and proper fee collection. 2. Portfolio Risk Management Risk Rating Train PMs in credit risk rating and encourage proactive rating changes. Ensure PMs work with RMs and Credit to develop and monitor upgrade/downgrade triggers. PARM Completion Partner with RMs to ensure PARMs are completed on time. Loan Payment Monitoring Review past-due loan reports and ensure timely borrower payments. 3. Credit Process Execution New Loans, Renewals, and Modifications Oversee the credit approval process to ensure timely approvals. Actively manage the pipeline and ensure timely documentation collection. Deal Structuring Support Ensure PMs collaborate on discussion memos, term sheets, commitment letters, and credit memos. Quality Management Guide PMs in spreading financials, cash flow analysis, transaction structuring, covenant recommendations, and policy exception identification. Third-Party Reports Ensure timely ordering and review of appraisals, environmental reports, flood certifications, and field audits. Loan Closing & Booking Ensure loans are closed timely and booked accurately. Confirm covenants are documented appropriately in nCino. Promote communication among PMs, RMs, and underwriters. BSA / AML Compliance Ensure PMs understand BSA/AML risk, beneficial ownership, and due diligence requirements. 4. Recruitment, Training & Development Recruit qualified PM candidates. Assess team competencies and develop individual growth plans. Ensure PMs are experts in credit policy, nCino, and BSA/AML. 5. Workflow & Team Management Maintain alignment of PMs with bankers and teams. Promote collaboration and balanced workflow across the PM team. Minimum Education and/or Certifications Requirements: Bachelor’s degree in business, accounting or finance required. Master’s degree preferred OR 3+ years of commercial & retail portfolio management experience in lieu of education. Formal credit training required. Minimum Work Experience Requirements: 10+ years of professional experience in lending and/or portfolio management field and/or credit analysis. Knowledgeable of banking products and documentation. Technical and/or Other Essential Knowledge: Thorough understanding of the Bank’s credit procedures, programs and policy. Accounting and credit principles. Proficiency in Microsoft Suite is required; experience in SQL is a plus. Salesforce, nCino, FIS IBS experience is a plus. Sound time management and organizational skills required. Well organized and systematic. Must possess strong communication skills.