The Credit Portfolio Manager II (CPM) performs the financial analysis needed to make credit decisions on new and existing business, supports the commercial banking team and recommends credit solutions that add value to the Customer. The Credit Portfolio Manager II manages a designated portfolio of commercial loans assuring all aspects of compliance with loan agreements, regulatory requirements and underwriting and risk rating policy are met. The job oversees the overall risk profile of a designated portfolio, identifying potential macro and micro risk issues (both positive and negative) early on. Depth & Scope:Manages complex credit activities to ensure performance quality, consistency of underwriting and timeliness meets or exceeds Customer expectations; may manage overall analytical support and workflow production needs for a department. Works on larger, complex deals, mainly focused on Middle Market and highly specialized lending. May manage and/or lead as well as create, develop and introduce commercial and credit-related initiatives. Acts as a consultant to business lines regarding credit issues, processes and procedures. Functions as a resource for business lines and works with senior management on various issues; managing expectations and negotiating timelines. Partners with Lending/ Credit Officers to address exceptions identified by internal/external auditors and/or examiners. Performs periodic inspections at Customer sites to audit accounts and ensure adherence to loan agreements and terms; Takes appropriate action as necessary to correct deficiencies. Coordinates with Account and Relationship Managers to perform routine financial analyses and credit investigations. May communicates credit decisions to Relationship Managers and Account Managers. Manages and oversees workflow and adherence to policy for department. Participates in organizational cost benefit analysis and implementation. Manages activities by creating and maintaining quantifiable service level standards against business performance. Ensures timeliness of information and efficiency in process and workflow. Maintains confidentiality of credit and customer information at all times. May lead a team of Credit Analysts within a region or market. Education & Experience. Bachelor's degree or work experience equivalent to a Bachelor's degree required 10 years related experience required. Strong understanding of commercial business development techniques and credit decisions. Demonstrates credit and financial analysis skills. Working knowledge of capital markets is a plus. Refined negotiation skills. Demonstrates communication skills, both verbal and written. Demonstrates PC skills. Physical Requirements:Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%Domestic Travel – Occasional. International Travel – Never. Performing sedentary work – Continuous. Performing multiple tasks – Continuous. Operating standard office equipment - Continuous. Responding quickly to sounds – Occasional. Sitting – Continuous. Standing – Occasional. Walking – Occasional. Moving safely in confined spaces – Occasional. Lifting/ Carrying (under 25 lbs.) – Occasional. Lifting/ Carrying (over 25 lbs.) – Never. Squatting – Occasional. Bending – Occasional. Kneeling – Never. Crawling – Never. Climbing – Never. Reaching overhead – Never. Reaching forward – Occasional. Pushing – Never. Pulling – Never. Twisting – Never. Concentrating for long periods of time – Continuous. Applying common sense to deal with problems involving standardized situations – Continuous. Reading, writing and comprehending instructions – Continuous. Adding, subtracting, multiplying and dividing – Continuous. The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.