Phoenix, AZ | $100,000–$140,000

Manage the Portfolio. Strengthen Relationships. Drive Commercial Banking Forward.

We are seeking an experienced, strategic, and relationship-focused Commercial Portfolio Manager to join a growing banking team in the Phoenix market. This is an outstanding opportunity for a commercially minded banking professional who understands that successful portfolio management goes well beyond monitoring numbers. It requires sound credit judgment, financial expertise, proactive relationship management, and the ability to recognize opportunities before they become obvious.

The Commercial Portfolio Manager will play a critical role in managing and growing a diverse portfolio of commercial banking relationships while partnering closely with Commercial Relationship Managers, Credit Administration, Underwriting, and other internal stakeholders. This individual will serve as a trusted resource throughout the entire credit relationship, ensuring portfolio quality, identifying potential risks, supporting new business opportunities, and delivering an exceptional client experience.

The ideal candidate is analytical without losing sight of the relationship, detail-oriented without getting lost in the details, and confident enough to challenge assumptions while working collaboratively toward smart business decisions. If you enjoy understanding the story behind the financial statements, anticipating what clients need next, and helping build a stronger commercial banking portfolio, this opportunity deserves your attention!

What You'll Be Responsible For

• Manage an assigned portfolio of commercial banking relationships, ensuring appropriate credit quality, ongoing risk monitoring, profitability, and overall relationship performance.

• Partner with Commercial Relationship Managers to maintain, strengthen, and expand existing client relationships while identifying opportunities for additional lending, deposit, treasury management, and other banking services.

• Analyze complex financial statements, tax returns, balance sheets, income statements, cash flow projections, borrowing base reports, and other financial information to evaluate borrower performance and repayment capacity.

• Prepare comprehensive credit analyses, annual reviews, interim financial reviews, loan presentations, and credit approval packages in accordance with established lending policies and procedures.

• Monitor financial and covenant compliance, loan documentation, collateral requirements, maturities, exceptions, and other ongoing credit administration responsibilities.

• Identify emerging credit risks, financial deterioration, covenant deficiencies, and other potential warning signs, recommending appropriate action plans and escalating concerns when necessary.

• Evaluate borrower cash flow, debt service coverage, leverage, liquidity, collateral positions, and overall financial condition to support sound credit decisions.

• Maintain consistent communication with borrowers, business owners, financial professionals, and internal banking partners to ensure timely receipt of financial information and ongoing portfolio transparency.

• Work closely with Relationship Managers and Credit Officers to structure, renew, modify, and manage commercial credit facilities.

• Coordinate loan renewals, modifications, extensions, annual reviews, and other portfolio-related activities to ensure accuracy and timely completion.

• Review loan documentation and credit files for completeness, accuracy, policy compliance, and adherence to approval conditions.

• Develop a strong understanding of each client's business model, industry, operating environment, financial objectives, and potential challenges.

• Assist with new loan opportunities by evaluating financial performance, preparing preliminary analyses, identifying credit considerations, and supporting underwriting recommendations.

• Track portfolio concentrations, risk ratings, past-due accounts, criticized and classified assets, and other key portfolio performance indicators.

• Collaborate with internal credit and lending teams to resolve outstanding issues, improve processes, and maintain consistent portfolio management standards.

• Support the development of client retention strategies and identify opportunities to deepen existing relationships.

• Maintain accurate loan systems, credit files, financial tracking tools, and portfolio reporting.

• Stay current on commercial lending policies, regulatory expectations, industry developments, and evolving credit risk management practices.

• Take ownership of portfolio responsibilities while balancing client service, credit quality, operational efficiency, and overall profitability.

What We're Looking For

• Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field preferred.

• Several years of experience in commercial banking, commercial credit, portfolio management, underwriting, or commercial lending.

• Strong understanding of commercial credit analysis, financial statement spreading, cash flow analysis, and risk assessment.

• Demonstrated ability to analyze complex financial information and translate findings into clear, well-supported credit recommendations.

• Knowledge of commercial lending products, including C&I, CRE, owner-occupied real estate, and other commercial credit facilities.

• Experience preparing annual reviews, credit memos, loan presentations, and credit approval packages.

• Strong understanding of loan documentation, collateral evaluation, covenant monitoring, and credit administration.

• Ability to recognize changing credit conditions, identify potential portfolio concerns, and recommend appropriate solutions.

• Excellent organizational skills with the ability to manage multiple relationships, competing deadlines, and detailed credit requirements.

• Strong written and verbal communication skills, including the ability to present financial findings and credit recommendations effectively.

• A collaborative mindset and the ability to build productive relationships with Relationship Managers, Credit Officers, clients, and internal business partners.

• Proficiency with financial analysis tools, commercial loan systems, Microsoft Excel, and other relevant banking technology.

• High degree of integrity, accountability, discretion, and professional judgment.

The Professional We're Hoping to Find

We want someone who enjoys digging into the details, asking the right questions, and understanding what makes a business financially successful. Someone who can identify a potential credit concern before it becomes a larger problem, recognize a promising opportunity, and communicate recommendations with confidence.

You should be comfortable balancing the analytical side of commercial banking with the relationship side. You understand that a healthy portfolio is built through consistent monitoring, informed decisions, strong communication, and proactive partnership.

Most importantly, you bring a sense of ownership to your work. You take pride in accuracy, appreciate teamwork, and understand that every credit decision contributes to the bank's long-term success and reputation.

This is your opportunity to bring your commercial banking expertise to a team that values strong credit fundamentals, thoughtful relationship management, and professionals who know how to make an impact.

Location: Phoenix, Arizona
Compensation: $100,000–$140,000