VP, Commercial Portfolio Manager
Avantis Resources, Miami, FL, United States
VP, Commercial Portfolio Manager
A dynamic and growth-oriented financial institution is seeking a VP, Commercial Portfolio Manager to join its Portfolio Management team. This role is critical in monitoring and managing commercial loan portfolios, supporting credit risk analysis, and collaborating with relationship managers on underwriting, renewals, and modifications. Key Responsibilities Oversee assigned lending relationships by conducting timely annual, semi-annual, or quarterly portfolio reviews. Ensure compliance with all loan terms, including financial reporting, covenant tracking, borrowing base analysis, and third-party due diligence requirements. Analyze financial statements, borrowing base certificates, appraisals, collateral field examinations, and engineering reports to confirm covenant and collateral compliance. Monitor ticklers, post-closing items, policy exceptions, and work with lenders and associates to resolve documentation and financial exceptions. Assess credit risk and recommend changes in risk ratings when applicable. Partner with Loan Officers on structuring new deals, renewals, waivers, and modifications, and contribute to credit underwriting strategies. Prepare financial spreads and executive summaries for credit approval and upload full credit packages for review. Act as a liaison between clients and internal departments to ensure efficient processing of loan renewals and modifications. Maintain insurance compliance by coordinating with borrowers and insurers. Document borrower interactions, including quarterly line-of-credit reviews and annual property inspections. Track and follow up on past-due payments and maturing loans to ensure timely resolution. Stay informed on industry trends and assess potential portfolio risks. Participate in all required training and perform additional tasks as assigned. Requirements Bachelor's degree required (finance, accounting, or a related field preferred). Minimum of 7 years of experience as a Commercial Credit Underwriter or Portfolio Manager. Strong understanding of credit policy, banking regulations, and risk rating methodology. Bilingual (English and Spanish) required. High attention to detail with strong analytical, problem-solving, and communication skills. Proficient in Microsoft Office (Excel, Word, PowerPoint), Moody's, and nCino or similar platforms. Ability to work independently, manage multiple priorities, and operate effectively in a team-oriented environment. Benefits Competitive base salary plus performance-based incentives. Hybrid work schedule. Comprehensive health benefits: Medical, Dental, Vision. Life, short-term, and long-term disability insurance. Paid time off and paid parental leave. 401(k) plan with employer match. Tuition reimbursement. Free parking and other perks. Avantis Resources, LLC is an Equal Opportunity Employer and does not discriminate on the basis of race or ethnicity, religion, sex, national origin, age, veteran disability or genetic information or any other reason prohibited by law in employment.
A dynamic and growth-oriented financial institution is seeking a VP, Commercial Portfolio Manager to join its Portfolio Management team. This role is critical in monitoring and managing commercial loan portfolios, supporting credit risk analysis, and collaborating with relationship managers on underwriting, renewals, and modifications. Key Responsibilities Oversee assigned lending relationships by conducting timely annual, semi-annual, or quarterly portfolio reviews. Ensure compliance with all loan terms, including financial reporting, covenant tracking, borrowing base analysis, and third-party due diligence requirements. Analyze financial statements, borrowing base certificates, appraisals, collateral field examinations, and engineering reports to confirm covenant and collateral compliance. Monitor ticklers, post-closing items, policy exceptions, and work with lenders and associates to resolve documentation and financial exceptions. Assess credit risk and recommend changes in risk ratings when applicable. Partner with Loan Officers on structuring new deals, renewals, waivers, and modifications, and contribute to credit underwriting strategies. Prepare financial spreads and executive summaries for credit approval and upload full credit packages for review. Act as a liaison between clients and internal departments to ensure efficient processing of loan renewals and modifications. Maintain insurance compliance by coordinating with borrowers and insurers. Document borrower interactions, including quarterly line-of-credit reviews and annual property inspections. Track and follow up on past-due payments and maturing loans to ensure timely resolution. Stay informed on industry trends and assess potential portfolio risks. Participate in all required training and perform additional tasks as assigned. Requirements Bachelor's degree required (finance, accounting, or a related field preferred). Minimum of 7 years of experience as a Commercial Credit Underwriter or Portfolio Manager. Strong understanding of credit policy, banking regulations, and risk rating methodology. Bilingual (English and Spanish) required. High attention to detail with strong analytical, problem-solving, and communication skills. Proficient in Microsoft Office (Excel, Word, PowerPoint), Moody's, and nCino or similar platforms. Ability to work independently, manage multiple priorities, and operate effectively in a team-oriented environment. Benefits Competitive base salary plus performance-based incentives. Hybrid work schedule. Comprehensive health benefits: Medical, Dental, Vision. Life, short-term, and long-term disability insurance. Paid time off and paid parental leave. 401(k) plan with employer match. Tuition reimbursement. Free parking and other perks. Avantis Resources, LLC is an Equal Opportunity Employer and does not discriminate on the basis of race or ethnicity, religion, sex, national origin, age, veteran disability or genetic information or any other reason prohibited by law in employment.