Small Business Portfolio Manager - Exceptions Managed - Pittsfield, MA
Berkshire Bank, Pittsfield, MA, United States
Job Details
Division:
Beacon Bank & Trust
Department:
Small Business Admin
Reports to:
Director of Small Business Banking & Commercial Compliance
Status:
Exempt/Officer/VP
Pay Grade:
11
Salary Range:
$85,457.75 - $122,975.25
Salary Update:
2/26/2026 (Actual compensation within the pay range will be determined based on factors including, but not limited to, skills, prior relevant experience, and specific work location.)
Location:
MA, NY, CT, RI, VT
Purpose / Objective Provides relationship management support, manages workout loans, develops strategy for overall portfolio, and monitors the existing exceptions managed portfolio of loans for Small Business. Continuously evaluates exceptions-based portfolio performance to maintain portfolio quality and risk rating accuracy. Interacts with customers, bank employees, and legal counsel to address credit and deposit service-related matters satisfactorily.
Key Accountabilities
A key member of the Small Business Leadership Team to help with new product creation, technology enhancements, and future growth of Small Business.
Manages line renewals, maturing loans, modifications, extensions, releases, annual reviews, and assignments in a defined portfolio of existing Small Business customers with borrowing needs up to a maximum $500K in relationship size. Product mix includes C&I and CRE, SBA and non‑SBA products.
Approves and denies line renewals and modifications within authorized limits.
Maintains open lines of communication with all lines of business within the Bank to ensure accuracy and timeliness on loan renewals/modifications being facilitated.
Assists the small business underwriting team in facilitating write‑ups for modifications.
Assists with managing delinquency with the Special Assets Team; monitors overdrafts, score alerts, high‑line use of borrowers to carefully assign risk ratings for early detection of material changes in customer performance.
Works with a large portfolio of SBA loans to ensure compliance with SBA Policy and Procedure. Monthly reviews of proper line utilization and term out of such lines if needed. Responsible for monthly review of all new SBA loans for fraud detection and for keeping abreast of changes in SBA policy, offering guidance on changing processes from application to post‑close. SBA requires specialized knowledge and industry expertise.
Reports management trends in portfolio, helps create changes in process and policy, and creates procedures to proactively manage this portfolio. Involved in compliance and audit findings and recommended changes to policy and procedure.
Assumes additional responsibilities as requested.
Ensures compliance with all banking laws, rules, regulations, and prescribed policies/practices/procedures necessary to reduce risk and uphold ethical standards related to and required by duties.
Education
BS in accounting, finance, economics or business administration preferred or equivalent experience.
Continuing education in bank‑related courses.
Experience
5+ years in credit analysis or risk underwriting in the banking industry.
Skills & Knowledge
Ability to prioritize and work under pressure.
Critical thinking and management skills.
Demonstrated ability to execute.
Proficient in Microsoft Office Suite, including Word, Excel, PowerPoint, Outlook, etc.
Computer skills including web‑based searches.
Strong written and verbal communication skills.
Solid interpersonal skills.
Disclaimer The above statements are intended to describe the general nature and level of work being performed by people assigned to this position. They are not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified. This job description is subject to change at any time.
EEO Statement Beacon Bank is an Equal Opportunity Employer - all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, or national origin. If you would like to contact us regarding the accessibility of our website, need assistance completing the application process, or would like to request alternative methods of applying, please contact us at hr@berkshirebank.com.
Office Location Pittsfield, MA - 99 North St
#J-18808-Ljbffr
Division:
Beacon Bank & Trust
Department:
Small Business Admin
Reports to:
Director of Small Business Banking & Commercial Compliance
Status:
Exempt/Officer/VP
Pay Grade:
11
Salary Range:
$85,457.75 - $122,975.25
Salary Update:
2/26/2026 (Actual compensation within the pay range will be determined based on factors including, but not limited to, skills, prior relevant experience, and specific work location.)
Location:
MA, NY, CT, RI, VT
Purpose / Objective Provides relationship management support, manages workout loans, develops strategy for overall portfolio, and monitors the existing exceptions managed portfolio of loans for Small Business. Continuously evaluates exceptions-based portfolio performance to maintain portfolio quality and risk rating accuracy. Interacts with customers, bank employees, and legal counsel to address credit and deposit service-related matters satisfactorily.
Key Accountabilities
A key member of the Small Business Leadership Team to help with new product creation, technology enhancements, and future growth of Small Business.
Manages line renewals, maturing loans, modifications, extensions, releases, annual reviews, and assignments in a defined portfolio of existing Small Business customers with borrowing needs up to a maximum $500K in relationship size. Product mix includes C&I and CRE, SBA and non‑SBA products.
Approves and denies line renewals and modifications within authorized limits.
Maintains open lines of communication with all lines of business within the Bank to ensure accuracy and timeliness on loan renewals/modifications being facilitated.
Assists the small business underwriting team in facilitating write‑ups for modifications.
Assists with managing delinquency with the Special Assets Team; monitors overdrafts, score alerts, high‑line use of borrowers to carefully assign risk ratings for early detection of material changes in customer performance.
Works with a large portfolio of SBA loans to ensure compliance with SBA Policy and Procedure. Monthly reviews of proper line utilization and term out of such lines if needed. Responsible for monthly review of all new SBA loans for fraud detection and for keeping abreast of changes in SBA policy, offering guidance on changing processes from application to post‑close. SBA requires specialized knowledge and industry expertise.
Reports management trends in portfolio, helps create changes in process and policy, and creates procedures to proactively manage this portfolio. Involved in compliance and audit findings and recommended changes to policy and procedure.
Assumes additional responsibilities as requested.
Ensures compliance with all banking laws, rules, regulations, and prescribed policies/practices/procedures necessary to reduce risk and uphold ethical standards related to and required by duties.
Education
BS in accounting, finance, economics or business administration preferred or equivalent experience.
Continuing education in bank‑related courses.
Experience
5+ years in credit analysis or risk underwriting in the banking industry.
Skills & Knowledge
Ability to prioritize and work under pressure.
Critical thinking and management skills.
Demonstrated ability to execute.
Proficient in Microsoft Office Suite, including Word, Excel, PowerPoint, Outlook, etc.
Computer skills including web‑based searches.
Strong written and verbal communication skills.
Solid interpersonal skills.
Disclaimer The above statements are intended to describe the general nature and level of work being performed by people assigned to this position. They are not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified. This job description is subject to change at any time.
EEO Statement Beacon Bank is an Equal Opportunity Employer - all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, or national origin. If you would like to contact us regarding the accessibility of our website, need assistance completing the application process, or would like to request alternative methods of applying, please contact us at hr@berkshirebank.com.
Office Location Pittsfield, MA - 99 North St
#J-18808-Ljbffr