Hybrid/New York, NY Salary Range: $135,000 - $185,000 The Commercial Credit Portfolio Manager assists in the active management of a portfolio of accounts, assists with the development of team portfolio tools and risk management using key market and industry information to determine the impact on the portfolio in a collaborative manner. The incumbent is responsible for risk grading, and risk analyses/credit approval for amendments, renewals and/or modifications, related documentation, and the organized tracking and monitoring of account and portfolio performance under the guidance of the Senior Portfolio Manager. ESSENTIAL DUTIES & RESPONSIBILITIES Assist in monitoring process the loan portfolio and updating risk management reporting tools, in collaboration with Management, loan administration and operations staff and other key stakeholders. Monitor reporting and compliance requirements under the loan documents; review deliverables to confirm acceptable performance and ratings. Approve advance requests, in coordination with the Senior Portfolio Manager and loan administration. Develop and maintain in-depth understanding of commercial, economic and financial circumstances and how they impact the customers under their management. Coordinate with key internal partners to support servicing of existing customer base. Ensure timely completion and tracking of internal deliverables such as reviews and renewals for existing credit customers. Work in conjunction with manager to prepare for and present at loan committees and credit quality reviews as applicable. Identify and resolve operational and credit issues with loans held in portfolio. Evaluate and make recommendations of loan amendments, increases, extensions and modifications. Prepare and present deal-screening memorandum and prepare approval memorandum concisely analyzing borrower/guarantor financial condition, perform cash flow and collateral analysis, base and downside projection analysis, and credit metrics to determine credit risk. Run risk rating model, interpret and support the risk rating recommendation. Develop a strong working knowledge of, and ensure compliance with, internal bank commercial loan policy, credit risk management policy, and external regulatory requirements. Identify and report exceptions and mitigate. Assess industry/market/external factors impact on the credit transaction. Monitor adequate completion of credit approval process, closing and post approval items. Participate in ongoing pipeline meetings. Assist Risk Team in the management of delinquent loans and reporting on status of delinquent loans. Conduct post-closing credit file, and generally maintain post-closing files. Provide data and analysis in support of reserving and/or write-off actions of the organization as requested. Maintain trend cards on a timely basis and ensure that files are kept up to date and orderly. Perform other duties as requested as well as ad hoc tasks and projects. SKILLS, EDUCATION, & EXPERIENCE Bachelor degree required, preferably in Finance or Economics. 6 - 10 years of relevant experience. Understanding of direct credit borrowing base transactions desired. Advanced analytical and financial modeling capability. Self-starter who is confident and comfortable managing a transaction. Must be proficient in MS suite of products (Word, Excel, & PowerPoint). Excellent communication skills (verbal written). Demonstrate interpersonal skills, and proven ability to work in a team environment. #Li-Hybrid Visa sponsorship not available. We are an equal opportunity employer and do not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, disability, military and/or veteran status, or any other Federal or State legally-protected classes. Since 1863, Apple Bank has been a stable banking presence in New York City and its surrounding communities. We seek to put the best interests of our customers first and to manage our company prudently and responsibly. When you join the Apple Bank team, you’ll be working with a group of dedicated and talented professionals focused on delivery of an outstanding customer experience. For more than 160 years, Apple Bank has been invested in our customers and communities, striving always to put their best interests first. Along the way, our employees have been the key to our success. Whether you’re just beginning, continuing or changing your career, Apple Bank offers a range of career opportunities. We’ll support you in developing your potential to the fullest, while you contribute to our growth and success. Apple Bank’s employment policy is to provide equal opportunity to all persons. We have made a commitment to equal employment opportunity through a positive and continuing affirmative action program. No employee or applicant for employment will be discriminated against because of race, color, citizenship status, religion, sex, sexual orientation, creed, national origin, age, physical or mental disability, veteran status, political affiliation, domestic violence victim status, predisposing genetic characteristic, or any other Federal or State legally-protected classes. Apple Bank will make reasonable accommodations for known physical or mental limitations of otherwise qualified employees and applicants with disabilities unless the accommodation would impose an undue hardship on the operation of our business. If you are interested in applying for an employment opportunity and feel you need a reasonable accommodation pursuant to the ADA, please contact us at talentacquisition@applebank.com. EEO is the Law poster: http://www.dol.gov/ofccp/regs/compliance/posters/pdf/eeopost.pdf EEO is the Law Supplement: http://www.dol.gov/ofccp/regs/compliance/posters/pdf/OFCCP_EEO_Supplement_Final_JRF_QA_508c.pdf The Pay Transparency Notice: https://www.dol.gov/sites/dolgov/files/OFCCP/pdf/pay-transp_ English_formattedESQA508c.pdf Know Your Rights: https://www.dol.gov/sites/dolgov/files/OFCCP/regs/compliance/posters/pdf/22-088_EEOC_KnowYourRights.pdf