Unity Bank · 5 months ago
Commercial Portfolio Manager II
64 Old Highway 22, Clinton, NJ, USA
Full-time
Onsite
Senior Level
5+ years expUnity Bank is a financial institution seeking a Commercial Portfolio Manager II. The role involves managing the Commercial & SBA loan portfolio, conducting loan reviews, and ensuring compliance with covenants while maintaining relationships with borrowers.
BankingFinancial Services
Responsibilities
Conduct regular loan monitoring reviews
Prepare Credit Reviews to assess asset quality, including performance against original underwriting expectations
Evaluate borrower/sponsor financial statements, rent rolls, project status reports, and overall credit condition
Coordinate site visits and prepare site visit reports in accordance with Credit policies and procedures
Assist the Portfolio Management Team with reporting on the overall portfolio, including asset quality, stress testing, industry and market analysis, asset allocation, reserves, and non-performing loan analysis
Maintain accurate loan risk ratings by analyzing loan performance and preparing annual reviews
Ensure compliance with the Bank's Credit Policy and regulatory standards
Serve as the loan-level expert for a portfolio of complex construction, permanent, and/or C&I loans
Maintain a high degree of professionalism in post-closing relationships with borrowers to encourage repeat business
Complete site visits, covenants, and annual reviews in a timely manner
Maintain reporting information on relevant tracking systems for accurate reporting
Participate in meetings, trainings, and special projects as assigned by management
Work on miscellaneous projects related to credit functions or across the bank as needed
Assist loan officers with Abrigo tickler maintenance, covenant tracking and financial statement retention
Follow up with loan officers to obtain updated financial information including business and personal tax returns and personal financial statements
Assist borrowers and loan officers in modifying loans as needed for payment modifications, loan restructuring, collateral release, etc
Draft memos for any substantial changes in a borrower's financial stability or ownership structure
Keep informed of industry changes, trends, and best practices
Qualification
Required
Strong analytical skills and attention to detail
Excellent communication and interpersonal skills
Ability to manage multiple tasks and meet deadlines
Proficiency in financial reporting and risk management
In-depth understanding of credit analysis, due diligence, and loan documentation
Knowledge of bank structures, products, procedures, and the economic environment
Understanding of regulatory standards and compliance requirements
Bachelor's degree in Finance, Business Administration, or related field
Minimum of 5-8 years of experience in portfolio management, preferably within a community bank or similar financial institution
Proven track record in managing complex loan portfolios, including real estate-based and business lending
Preferred
Experience in real estate-based and business lending, including credit analysis, due diligence, and loan documentation
Experience with Abrigo (aka Sageworks) desired
Ability to work independently with little supervision
Company
Unity Bank
Unity Bank provides financial services to retail and business customers through our branches located in Hunterdon, Middlesex.
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
James Hughes
President & CEO
George Boyan
Chief Financial Officer
Recent News
2026-01-14
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