Description
The Commercial Credit Officer & Portfolio Manager plays a critical role in overseeing the performance, quality, and risk of the Bank’s commercial loan portfolio. This position blends portfolio oversight, delegated credit authority, underwriting expertise, policy enforcement, risk monitoring, and team leadership. The role ensures credit decisions are timely and well-supported, loan structures align with Bank policy and risk appetite, and regulatory expectations are consistently met. This position partners closely with Market Executives, Relationship Managers, Credit Administration, and executive management to maintain disciplined portfolio administration, strong credit culture, and safe, scalable lending practices.
Essential Duties:
- Oversee and manage the assigned commercial loan portfolio to ensure timely credit actions, including renewals, annual reviews, covenant tracking, and borrower financial reporting.
- Review and approve commercial loan requests using delegated authority, ensuring compliance with policy, sound underwriting, and alignment with the Bank’s risk appetite.
- Conduct credit analysis for new loans, renewals, and modifications; identify repayment sources, assess global cash flow, evaluate guarantors, and confirm collateral adequacy.
- Monitor credit performance, including delinquencies, risk rating migration, and policy exceptions; escalate material trends and recommend remediation.
- Maintain ongoing awareness of portfolio performance, industry concentrations, and emerging risk trends.
- Support the Chief Credit Officer in maintaining a strong governance framework within Credit Administration.
- Develop and deliver recurring reports on asset quality, risk migration, and credit metrics to executive leadership and the Board.
- Serve as a point of contact during internal audits, external audits, and regulatory examinations.
- Lead, develop, and mentor a team of credit analysts responsible for commercial underwriting.
- Coordinate training for new credit team members and lead technical development for ongoing staff growth. Support succession planning and professional development strategies within Credit Administration.
- Partner with Market Executives and Relationship Managers to deliver responsive, risk-informed credit support.
- Provide guidance on transaction structure, cash flow support, guarantor analysis, and collateral sufficiency.
- Reinforce the Bank’s credit culture by promoting proactive communication, consistency, and accountability.
Supervisory Responsibilities:
Manages the day-to-day performance and development of credit analysts and other credit support staff. Responsibilities include hiring, coaching, training, assigning and reviewing work, conducting performance evaluations, and handling disciplinary matters in alignment with Bank policy and employment law.
Other Duties:
This job description is not designed to be an exhaustive list of duties. Duties, responsibilities, and activities may
change at any time with or without notice.
Bank wide Expectations:
- Stays current, maintains knowledge of, and complies with all F & M products and services and policies and procedures.
- Maintains organized files and a neat and orderly work area and secures all negotiable and/or confidential records.
- Protects the bank's and customers' information; knowledge of customers and their relationship with the Bank must be kept in absolute confidence.
- Displays a positive, cooperative spirit; professionalism; and a responsible attitude to staff and customers always.
- Leads by example while being a team player.
- Participates in Bank-sponsored and other community/civic events as schedule allows.
- Represents F & M Bank professionally and courteously while in contact with the public either in
person or by telephone.
- Pursues personal development opportunities to improve knowledge as it relates to position, compliance, and the bank in general.
Requirements
Qualification Requirements:
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills, and/or abilities needed to fulfill the role. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Knowledge, Skills, and Abilities
- Advanced understanding of commercial credit analysis, financial statement interpretation, loan structuring, and credit risk identification.
- Strong verbal and written communication skills, including report writing and credit presentation.
- Proficiency with credit analysis systems, financial modeling tools, and Microsoft Office Suite.
- High attention to detail, discretion with confidential information, and sound professional judgment.
- Proven ability to lead, mentor, and evaluate credit staff.
- Strong interpersonal and cross-functional collaboration skills.
- Excellent organizational and time-management skills with ability to prioritize multiple projects.
Education and/or Experience (Preferred)
- A Bachelor’s Degree in Accounting, Business Administration, Finance, or other related field.
- 5+ years of commercial credit or commercial lending experience required.
- Prior supervisory experience of analysts or underwriters preferred.
Certificates, Licenses, and Registrations:
- Current driver’s license to travel to other bank branch locations or customers’ place of business.
Physical and Mental Demands:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential
functions.
- The employee regularly sits and uses hands to finger, handle, or feel objects, tools, or controls.
- The employee frequently is required to talk or hear.
- The employee is occasionally required to stand, walk, reach with hands and arms, stoop, kneel, or crouch.
- The employee must regularly lift and/or move up to 10 pounds.
- Specific vision abilities required include close vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.
Work Environment:
- This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets, and fax machines.
- The work is performed primarily in an office setting.
- The noise level in the environment is usually moderate.
Position Type/Hours:
This is a full-time, exempt level position working Monday – Friday with other days and hours as necessary to
accomplish duties.
Travel:
Travel is primarily within the Bank’s market areas during the business day with occasional out-of-area travel for
continuing educational opportunities.
