Commercial Loan Portfolio Manager I Michigan Business Connection Ann Arbor, MI Job Details Full-time $66,082 - $99,123 a year 14 hours ago Benefits Health savings account Disability insurance Health insurance Dental insurance 401(k) Flexible spending account Paid time off Flextime Employee assistance program Vision insurance 401(k) matching Life insurance Referral program Qualifications Debt covenant compliance Term negotiation Document preparation (loan closing) Credit risk report Cash flow analysis Customer relationship building Customer retention Loan collections Team leadership Spreadsheets Financial statement analysis Account development Mid-level Client relationship development Financial performance report preparation Trend analysis Post-loan customer support Professional development support Team training Managing banking or lending client portfolios Coordination (loan closing) Loan operations reporting Credit history review Data interpretation Corporate finance analysis experience in risk and credit Financial statement interpretation Financial performance measurement Collateral evaluation (loan underwriting) Data collection Credit report analysis Full Job Description

PURPOSE DRIVEN CAREERS

Build a Career That Strengthens Local Business Every loan helps move a business forward, and every member of the team makes that growth possible. At MBC, you'll be part of a team that works alongside community financial institutions and business owners to deliver thoughtful commercial lending solutions that create opportunities, strengthen communities, and support long-term success. Your work will go beyond transactions. You'll build relationships, solve challenges, and see the direct impact of helping businesses achieve their goals—all while growing your own career alongside experienced professionals who are committed to doing meaningful work. Meaningful Work Trusted Teammates Relationship-Driven Professional Growth Collaborative Culture

PURPOSE DRIVEN CAREERS

Build a Career That Strengthens Local Business Every loan helps move a business forward, and every member of the team makes that growth possible. At MBC, you'll be part of a team that works alongside community financial institutions and business owners to deliver thoughtful commercial lending solutions that create opportunities, strengthen communities, and support long-term success. Your work will go beyond transactions. You'll build relationships, solve challenges, and see the direct impact of helping businesses achieve their goals, all while growing your own career alongside experienced professionals who are committed to doing meaningful work. Meaningful Work Trusted Teammates Relationship Driven Professional Growth Collaborative Culture

GROW WITH CONFIDENCE

Benefits to Support Your Career and Life We believe taking care of our team is one of the best investments we can make. That's why we offer a comprehensive benefits package and foster a collaborative culture that supports your health, financial future, work-life balance, and professional growth. Explore life at MBC and see how collaboration, learning, and community involvement help our team succeed together. Health & Wellness Medical, dental, and vision insurance Health Savings Account (HSA) Flexible Spending Account (FSA) Employee Assistance Program (EAP) Financial Security Competitive salary Performance-based bonus opportunities Company-matched 401(k) Plan Life and disability insurance Work-Life Balance Hybrid work environment Flexible scheduling (flextime) Flexible PTO & holidays Career & Team Professional growth opportunities Employee referral program

Growth-focused Workplace Commercial Loan Portfolio Manager I Commercial Loan Portfolio Manager I Location:

2200 Commonwealth Boulevard, Ann Arbor, MI 48105, with frequent day travel required

Employment Type:

Full-time - $66,082 - $99,123 a year

Benefits:

Flextime Referral program 401(k) Health insurance Retirement plan 401(k) matching Paid time off Vision insurance Health savings account Dental insurance Flexible spending account Life insurance Employee assistance program

Full Job Description:

The Portfolio Manager I is responsible for commercial credit analysis and portfolio risk monitoring. Demonstrate enthusiasm for MBC core values: Teamwork, Accountability, Integrity, Innovation and Leadership. Manage and service a portfolio of commercial loan relationships while maintaining, expanding and building relationships, resulting in a high degree of customer satisfaction. Monitor information related to borrower performance, abilities, and industry to determine that loan is an acceptable risk. This will consist of statement, covenant and insurance tracking, risk rating updates, administrative loan status reports and other commercial scorecard items. Oversee the management of portfolio risk associated with current borrowers, including review of current account status, to include, but not limited to, past due accounts and matured notes, and provide recommendations for such accounts. Demonstrate independent judgment through interpretation of loan documents and interaction with Borrowers and Credit Unions. Prepare documentation required for the processing of loans, review status of existing loans, take appropriate action on loans that are mature or past due and perform loan closings. Analyze credit data and financial statements to determine the degree of risk involved in extending credit and provide lending recommendations, which are based on an analysis of borrower's financial condition, cash flow, capacity, collateral and ability to repay. Prepare reports on loans, including information such as past dues, documentation and collateral exceptions, financial performance updates and portfolio profitability. Provide accurate analysis of financial statements, industry risks, collateral requirements and credit risk required to appropriately structure loans. Utilize spreadsheet programs to generate financial ratios, trend lines, etc. to evaluate existing borrowers' financial status and their performance against peer groups. Conduct borrower interviews as needed to develop information concerning lending needs, abilities and earnings to determine whether a loan is of acceptable risk. Implement strategic and tactical business solutions to enhance the management of loans to mitigate risk and minimize losses. Review borrower files and portfolio reports to identify and select delinquent accounts for review and/or collection. Participate in collection efforts and determination of loan work out scenarios. Provide guidance, training, and support to Financial Analysts and Interns. Perform other credit and risk management duties as required. Actively participate with credit unions and borrowers in the negotiation of loan terms and structure requirements. Demonstrate continued focus on borrower retention efforts and identify opportunities to expand existing relationships.

GROWING TOGETHER, BUILDING YOUR FUTURE A

Culture Built on Collaboration At MBC, collaboration isn't a buzzword. It is how we work every day. Our team shares knowledge, supports one another, and approaches every opportunity with a willingness to learn and solve problems together. As we partner with businesses and community financial institutions across Michigan, every day brings new challenges, new industries, and new opportunities to grow professionally. Want a closer look at what it's like to work here?