Portfolio Manager

at Banterra Bank in Scottsdale, Arizona, United States

Job Description

SUMMARY

The Portfolio Manager oversees a loan portfolio, working with market lenders to provide tailored financial solutions. Their responsibilities include monitoring loan quality, ensuring covenant compliance, and guiding loans through the approval process. While not tasked with sourcing new business, the role focuses on converting prospects into loyal clients and maintaining ongoing loan performance.

Ideal candidates are analytical, well-versed in credit principles, and skilled communicators. They bring a proactive approach to risk management and thrive in collaborative environments that support both client satisfaction and internal teamwork.

Through vigilant portfolio management and a focus on responsive service, the Portfolio Manager reinforces the company’s financial strength and client retention efforts, playing a critical role in long-term market growth.

All employees are expected to protect the information and assets of the organization through heightened awareness of information security, cybersecurity, and risk management best practices, as well as complying with all applicable laws, regulations, and organizational policies.

ESSENTIAL DUTIES

• Manage the performance of a diverse loan portfolio by monitoring financial health, identifying risk, and uncovering revenue opportunities.
• Underwrite complex commercial loans under $1M using Abrigo or other relevant software, ensuring accuracy, compliance, and alignment with bank policy from initiation through closing.
• Serve as a key liaison among Credit Officers, Underwriters, and other internal partners to support credit requests, renewals, and modifications.
• Lead annual reviews, covenant tracking, and risk rating updates, while assisting with exceptions and maintaining high standards for credit documentation.
• Collaborate with clients and lenders through calls and meetings to deepen understanding of business needs, support relationship growth, and drive strategic loan structuring.
• Present loan requests to committee, assist in resolving delinquency issues, and act as a resource to lenders on policy, processes, and client engagement.
• Stay current on industry trends, regulatory changes, and commercial products to support sound, forward-thinking credit decisions.
• Assume responsibility for special projects and tasks as assigned.

EDUCATION & CERTIFICATIONS

• Bachelor’s degree in Finance, Business Administration, a related field, or a commensurate combination of education and experience required.
• A minimum of three years of experience in loan portfolio management, including commercial loan documentation, required.

MINIMUM REQUIREMENTS

• Exceptional business development, networking, and relationship-building skills.
• Strong understanding of sales principles, with the ability to identify sales opportunities, provide meaningful product recommendations, and support an overall culture of sales excellence.
• Strong knowledge of relevant regulatory and compliance requirements with a deep understanding of how these rules and regulations apply to sales functions within a financial institution.
• Strong knowledge of loan processing and financial documentation, with broad and in-depth knowledge of relevant laws, regulations, and best practices.
• Strong critical-thinking skills and the ability to analyze potential project outcomes with the adaptability to redirect attention as needed to meet targets and deadlines.
• Confident decision-making abilities and the skill to use sound judgment about the timing of choices; particularly the ability to make informed, responsible decisions with limited information or under considerable amounts of stress.
• Exceptional attention to detail with the ability to remain organized and produce accurate, efficient work in a fast-paced environment.
• Excellent communication skills and the ability to communicate effectively, verbally and in writing, with internal and external customers at all levels.
• Ability to complete standard calculations and apply basic mathematical concepts in practical situations.
• Ability to interpret various ratios and relationships inherent in common or specialized financial and data-driven reports.
• Strong organizational and time management skills to handle multiple tasks, prioritize work, and meet deadlines.
• A positive and proactive approach to work, demonstrating enthusiasm, adaptability, and the ability to maintain composure and professionalism in stressful or adverse conditions.
• Strong critical-thinking skills and the ability to analyze potential project outcomes with the adaptability to redirect attention as needed to meet targets and deadlines.
• Proficient computer literacy, including comfort with Microsoft systems and Office Suite.
• Intermediate typing skills to meet the needs of this position.
• Current driver’s license and reliable transportation with appropriate insurance coverage; additionally, the ability to drive occasionally in the course of performing assigned duties and responsibilities.
• The ability to work with minimal or no supervision.

PHYSICAL DEMANDS AND WORK ENVIRONMENT

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions.

While performing the duties of this position, the employee is regularly required to talk or hear. The employee frequently is required to use hands or fingers; handle or feel objects, tools, or controls. The employee is occasionally required to stand; walk; sit; and reach with hands and arms. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this position include close vision, distance vision, and the ability to adjust focus. The noise level in the work environment is usually low to moderate.

NOTE

This job description in no way states or implies that these are the only duties to be performed by the employee(s) incumbent in this position. Employees will be required to follow any other job-related instructions and to perform any other job-related duties requested by any person authorized to give instructions or assignments.

All duties and responsibilities are essential functions and requirements and are subject to possible modification to reasonably accommodate individuals with disabilities. To perform this job successfully, the incumbents will possess the skills, aptitudes, and abilities to perform each duty proficiently.

Some requirements may exclude individuals who pose a direct threat or significant risk to the health or safety of themselves or others.

The requirements listed in this document are the minimum levels of knowledge, skills, or abilities. This document does not create an employment contract, implied or otherwise, other than an “at will” relationship.

The company is an Equal Opportunity Employer, drug-free workplace, and complies with ADA regulations and other laws/regulations as applicable.