Portfolio Manager

CFG Bank, based in Baltimore, Maryland, is a leading financial institution serving the national healthcare and multifamily markets and the Mid-Atlantic region. As the 6th largest bank in Baltimore by deposits and the largest locally based, we've grown from $1 billion to over $5 billion in assets by 2023. With over 30 years of expertise, we rank among the top five healthcare bridge-to-HUD lenders in the country. At CFG Bank, we redefine banking by blending big bank capabilities with personalized boutique service. Recognized as "Best Place to Work" by the Baltimore Business Journal in 2022, 2023 and 2024, our primary goal is making each team member feel choosing CFG Bank was their best career decision. Join us for professional growth and a positive work environment that sets CFG Bank apart.

Position Summary

As a key member of our commercial banking team at CFG Bank, you will play a pivotal role in supporting relationship managers by facilitating the underwriting and monitoring of existing and proposed credits, including critical tasks such as line renewals, maturing loan assessments, and term loan reviews. Your responsibilities will extend to managing the status of existing loans, ensuring timely actions are taken on maturing or past due loans, and providing valuable assistance during loan closings. Additionally, you'll have the opportunity to contribute to special projects under the guidance of department managers, fostering both professional growth and operational excellence within our dynamic banking environment.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Prepare Loan Summary/Top Sheet, liaising with various stakeholders including Relationship Managers, Department Manager, and Credit Department for new loan requests and renewals, ensuring accuracy and timeliness.
• Manage maturing loans, preparing extension requests promptly and conducting credit analyses accurately to facilitate timely decisionmaking.
• Coordinate annual term loan reviews, collaborating closely with the Credit Department to ensure timely and precise assessments.
• Participate in the loan approval process as required, contributing insights and expertise to enhance decision quality.
• Maintain updated loan files with relevant financial information and memos, facilitating comprehensive and satisfactory loan reviews.
• Prepare responses to internal audits and loan reviews, ensuring compliance with regulatory standards and internal policies.
• Assist in managing Criticized Asset Reports promptly and accurately, supporting effective risk management practices.
• Ensure proper risk rating of loans and complete necessary documentation for risk rating adjustments.
• Coordinate covenant compliance matters, securing approvals for waivers or issuing covenant default letters as needed.
• Conduct thorough reviews of thirdparty reports such as appraisals, environmental assessments, and property condition reports.
• Support Loan Administrator in managing past due loans and collection of tickler items.
• Accompany bank staff on sales calls when appropriate, fostering client relationships and promoting business development initiatives.
• Contribute to ongoing staff training efforts, sharing expertise and insights to enhance team capabilities and performance.
  
  

QUALIFICATIONS AND REQUIREMENTS:

• Bachelor's degree in Accounting, Finance, or Economics preferred; advanced degree advantageous.
• Five or more years of credit analysis and/or commercial lending experience in banking or equivalent businessrelated experience.
• Proficiency in basic software applications such as Microsoft Word and Excel.
• Strong oral and written communication skills essential.
• Demonstrated customer service skills.
• Proactive mindset with the ability to work independently and collaboratively within a team environment.
  
  

WORK ENVIRONMENT: We offer a hybrid schedule, with 3 days inoffice and 2 days remote after the initial 90-day period.

Compensation Disclosure

In accordance with Maryland's Equal Pay for Equal Work Act, we are committed to providing transparent wage information for all posted job opportunities. The wage range for this position is $90,000-$110,000. Compensation is determined based on factors such as Experience, Qualifications, and Internal equity.

Benefits And Additional Compensation

Additionally, this position includes a comprehensive benefits package and other forms of compensation, including:

• Employerprovided health benefits: medical insurance, dental & vision insurance, disability insurance, life insurance, mental health support services, wellness program & free health club membership (for Baltimorebased employees)
• Paid time off: vacation days, sick leave, volunteer days
• Retirement plan: 401(k) with employer match
• Other compensation elements: Discretionary annual bonus and overtime pay for nonexempt positions
  
  

EOE STATEMENT: CFG Bank is an Equal Opportunity Employer. We provide equal employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other legally protected characteristic. We are committed to ensuring a diverse and inclusive workplace, and all employment decisions are based on merit, qualifications, and business needs. If you require accommodations during the application process, please contact Human Resources.