At Emprise Bank, everything we do is focused on empowering the neighborhoods, businesses, and people in our communities to thrive. We proudly work to provide extraordinary customer service and products to help our customers achieve their goals.

We are seeking a highly experienced and motivated Portfolio Manager to join our team in Kansas City, Missouri. The ideal candidate will bring a deep understanding of commercial lending, portfolio management, and credit analysis, combined with strong leadership and relationship management skills. This role is pivotal in managing and monitoring our commercial loan portfolio, ensuring compliance with credit policies, and driving client satisfaction.

A successful candidate will have:

Strong attention to detail and time management skills
Confident and articulate communication skills
Problem resolution and critical thinking skills
Proven experience and confidence in making sound business decisions
Strong business acumen regarding risk tolerance
Exemplary customer service experience
Ability to effectively build and maintain relationships with Emprise associates, customers, and vendors
An understanding of and commitment to our values
Attitude and aptitude to engage in continuous development

Essential functions of the role:

Portfolio Management

Perform activities and conduct due diligence to manage and monitor commercial relationships
Collect financial information and manage annual review/renewals on existing credits
Monitor credits, including interim financial statement review and borrowing base validations
Underwrite credit applications, evaluate collateral positions, and monitor trends
Modify terms and restructure loans as necessary to ensure adherence to documentation and monitoring requirements
Identify and resolve credit weaknesses that affect the current or future likelihood of repayment
Ensure appropriate pricing for credit risk incurred and review various system reports and evaluation tools for credit deterioration trends and potential sales opportunities
Perform customer segmentation and business trend analysis, and develop business presentations for management evaluation
Analyze customer behavior to aid in product and service decision-making, including pricing and new product development

Relationship Management

Maintain and manage direct communication with client segments to ensure high levels of client satisfaction
Respond to client requests, seek resolution, and escalate issues as needed
Demonstrate a thorough knowledge of the features and benefits of all bank products and services
Assist in new client acquisition through the underwriting and approval process
Identify potential new business opportunities and provide appropriate solutions, either directly to the client or through collaboration with Relationship Managers
Maintain strong working relationships with other bank lines of business
Support ongoing business relationships with an emphasis on high standards of personal service
Provide broad, multi-product banking solutions to Relationship Managers

Leadership

Demonstrate the ability to interact and cooperate with all associates
Build trust, value others, communicate effectively, drive execution, foster innovation, focus on the client, collaborate with others, solve problems creatively, and demonstrate high integrity
Maintain professional internal and external relationships that meet company core values
Proactively establish and maintain effective working relationships with all support departments
Adhere to all internal policies, procedures, and practices in support of the bank’s compliance with regulatory requirements
Communicate with management and associates to integrate goals and activities
Serve as a resource for associates assisting business clients
Support special projects as needed

Underwriting

Coordinate with Credit Analysis team to complete financial analysis
Identify all risks in transactions, including but not limited to cash flow leverage, collateral adequacy, guarantor support, industry considerations, and regulatory compliance
Make recommendations on pricing to ensure adequate return on shareholder equity
Facilitate and participate in discussions with lenders and decision-makers to maintain sound credit standards while enabling reasonable loan growth

Other duties as assigned within the scope and responsibility of the job.

Minimum Requirements:

Bachelor’s degree in business or a related discipline, or a combination of education and industry experience that meets the job requirements.
Three plus years of banking experience in a growth-oriented commercial or corporate lending environment, with experience in portfolio management and/or underwriting.
Thorough knowledge of credit policies, procedures, and terminology.
Excellent presentation, verbal, and written communication skills.
Proficiency with large server-based applications and typical desktop software.

In addition to a competitive salary and benefits, Emprise offers professional growth, a rewarding and challenging environment, opportunities to be involved in our communities, and a culture of integrity, passion, and success. We also offer shift differential pay for bilingual candidates!

At Emprise Bank, empowering people to thrive means having an all-inclusive culture that honors our commitment to all dimensions of diversity in our workforce and embraces inclusion of all people. People of color, women, LGBTQIA+, veterans, and persons with disabilities are encouraged to apply.

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Emprise Bank

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