Portfolio Manager, Power, Energy, Utilities

About the position

Manages and supports an assigned commercial lending portfolio focused on
borrowers and transactions in the power, energy, and utilities sectors. Performs
sector-specific screening, underwriting, structuring, execution support, and
ongoing portfolio monitoring while partnering with relationship managers, senior
lenders, credit partners, and other internal stakeholders. Ensures strong credit
discipline, responsive client service, and compliance with Bank policies,
regulatory requirements, and portfolio risk standards.

Responsibilities
• Support the lending and sales process for clients and prospects in the power,
energy, and utilities sectors independently or in partnership with seniorlenders and relationship managers.
• Screen, structure, and underwrite credit opportunities involving commercial
and industrial borrowers, utilities, power producers, energy developers, andrelated entities.
• Analyze borrower financial performance, cash flow, collateral, industry
conditions, market dynamics, and transaction structures to assesscreditworthiness and risk.
• Review credit memoranda and underwriting packages for new transactions,
renewals, and amendments.
• Conduct ongoing monitoring of assigned portfolio relationships to ensure
asset quality, covenant compliance, appropriate risk ratings, and strongclient service.
• Review past dues, exceptions, upcoming maturities, covenant compliance,
borrowing base activity, and other portfolio indicators and recommendcorrective actions as needed.
• Monitor and report deteriorating credit conditions, industry developments,
commodity or market pressures, regulatory changes, and other factors that mayaffect portfolio performance.
• Gather information required for annual reviews, renewals, amendments, and
waivers and develop informed recommendations based on credit analysis andrelationship performance.
• Partner with internal teams including credit analysts, loan administration,
legal counsel, appraisal or valuation resources, and other risk partners tosupport accurate and timely transaction execution.
• Coordinate with external attorneys and other third parties in support of loan
documentation and closing requirements.
• Maintain strong working knowledge of Bank credit policies, underwriting
standards, loan documentation requirements, and applicable regulatoryexpectations.
• Support organic growth within the assigned portfolio by identifying
opportunities to deepen client relationships and deliver additional financingsolutions consistent with Bank strategy and risk appetite.
• Ensure all activities, documentation, and decisions comply with applicable
laws, regulations, internal policies, and required training standards.
• Perform other duties and responsibilities as assigned.

Requirements
• Bachelor’s degree in accounting, finance, business administration, economics,
or related field.
• Five (5) to seven (7) years of related experience in credit analysis,
commercial lending, portfolio management, corporate banking, project finance,or similar financial services roles.
• Experience demonstrating ability to manage increasingly complex transactions,
analyze credit risk, and support client relationships in specializedindustries.
• Experience with bank or financial institution credit processes, loan
structuring, and ongoing portfolio monitoring.
• Strong knowledge of commercial lending, credit underwriting, and portfolio
management principles.
• Strong analytical, problem-solving, written communication, and verbal
communication skills.
• Ability to manage multiple priorities, deadlines, and transactions while
working collaboratively and independently.
• Proficiency in applications and systems used for credit, portfolio, and
relationship management.

Nice-to-haves
• Experience in lending, underwriting, or portfolio management related to
power, energy, utilities, infrastructure, or other capital-intensive sectors.
• Advanced degree.
• Prior banking experience.
• Understanding of the power, energy, and utilities sectors including business
drivers, capital structures, regulatory environments, and industry risks.

Benefits
• Flexible health-and-wellness benefits, including medical insurance,
prescription drug coverage, dental insurance, vision care, flexible spendingaccounts, and more.
• 401(k) plan that includes immediate vesting of a generous employer match and
additional employer contribution
• Long-term disability and life insurance
• Vacation leave, sick leave, and paid holidays
• Fertility benefit and parental leave plan
• Up to two days per year to volunteer in local community organizations,
services, or events
• Ongoing professional-development opportunities
• Generous tuition-reimbursement program
• Physical fitness incentive plan
• Employer matching gifts program