Portfolio Manager - Corporate Banking

  • Associated Bank
  • Milwaukee, WI, USA
  • Mar 15, 2018
Full time Banking Finance Management

Job Description

Equal Opportunity Employer 
Associated Bank is an equal opportunity employer committed to creating a diverse workforce. We support a work environment where colleagues are respected and given the opportunity to perform to their fullest potential. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors. Applicants with a disability who need assistance applying for a position with Associated Bank are asked to email: colleaguecare@AssociatedBank.com or call: (800) 878-3282. 

Responsible for underwriting, credit monitoring and portfolio management of Commercial Banking relationships to achieve efficiencies and quality of the process and product, retention and expansion of existing client relationship, growth of total client assets and net growth in relationships. Primary performance responsibilities include analyzing financial data to determine the merits of loan requests (including adherence to loan policy), recommending structure, collecting financial statements, as well as identifying cross selling/referring opportunities of other deposits services. As a Portfolio Manager, this position will maintain and build loans and deposits, fee income and referrals of business. 

Responsible for expanding and deepening customer relationships by identifying customers’ needs comprehensively and matching their needs with selections and resources within the colleague’s assigned business line and across all business lines of Associated Bank. 

As a valued colleague of Associated Bank you play a critical role in delivering an exceptional customer experience during every interaction. Expectations for this position require the ongoing focus on building solid and long lasting relationships by engaging all customers in a positive manner. Colleagues should provide customers a positive experience that includes undivided attention, straightforward and knowledgeable service and ensure that the customer’s best interests are our number one priority. Consistency around customer experience guidelines is key and expected from all of our colleagues. Our goal is to simplify the customer experience and deliver outstanding service to every customer, every time. 

Operates in full compliance with internal policies and procedures as well as applicable regulations and laws, including but not limited to Bank Secrecy Act/Anti-Money Laundering requirements. Responsible to report any procedure or process that doesn’t meet regulatory requirements including fraud, whether suspected or confirmed, to management. This reporting can be done directly to any member of management, including Human Resources or Corporate Security, or can be reported through Associated’s anonymous Ethics Hotline. 

Portfolio Management
Asset Quality
Risk Management
Relationship Banking
Fee Income Growth
Loan growth
Referral Generation
Customer Service
Negotiation and Influence
Community Involvement
 Demand Deposit Growth
 Commercial Deposit Growth



• Ensure the portfolio administration and risk management of each client relationship is in compliance with established Associated Banc-Corp credit policy, procedure and business strategy as well as commercial and regulatory guidelines.

• As appropriate to experience, co-manage commercial relationships by analyzing financial data to determine the merits of specific loan requests, and recommend structure as well as aggressively managing the client relationship.

• Responsible for credit risk and quality of the portfolio.

• Assist with due diligence/analysis with new client relationships, opportunity memos as appropriate.

• Partner with the Relationship Manager as the point of a contact for the client; acting as a liaison to the Credit Department, the Commercial support staff and other internal business partners.

• May provide advice and counsel to clients regarding trends and conditions of the business environment, capital markets and general banking trends.

• Monitor loan repayment activities and financial condition of borrowing clients and take necessary action to collect past due accounts and ongoing repayment ability of all other accounts. May assume overall responsibility for the credit quality of the loan portfolio.

• May make presentations on specific loans and participate in the bank’s Loan Approval Process, recommending approval and appropriate structure of credits.

• Manage the renewal process by working with the Relationship Manager the client and the credit department.

• May serve as a contact manager for non-borrowing accounts and loan clients for matters relating to other banking services.

• Responsible for identifying cross sales opportunities of all bank products

including Treasury Management, International Banking, Private Banking, Private Client and Institutional Services, Employee Benefit Services, and AFG, Capital markets to our existing client base as well as prospects.

• Participates in community and business functions/groups to ensure a positive image for the bank within the region’s marketplace. 


Required Education: Bachelor's Degree Business, Finance or Accounting or other related discipline, or equivalent related experience

Preferred Education: Master's Degree Business, Finance or Accounting or other related discipline or equivalent related experience

Required Experience: 2-4 years Commercial Banking and/or Credit Approval Experience

Preferred Experience: Extensive experience handling complex credits
Preferred Experience: Sales experience

Special Skill Requirements:

  • Excellent verbal, written and interpersonal skills
  • Strong knowledge of non-borrowing products
  • Superior credit, risk management and negotiation skills
  • Excellent analytical and financial analysis skills
  • Capable of making quick, on-the-spot computations with Financial Calculator.
  • Strong customer service orientation
  • Strong marketing and presentation skills
  • Understand macro and micro economic issues as they apply to business
  • Thorough understanding of risks (market, rate, leverage, etc.) as it applies to the lending process
  • Strong knowledge of loan agreements, assumptions, accounting, loan structuring, and collateral procedures
  • Strong knowledge of lending policies and procedures
  • Computer literate in Microsoft Office products and the ability to quickly learn new software/systems
  • Collaborative and highly coachable

CFA-Charted Financial Analysis Preferred

Other Duties and Responsibilities 
Performs other duties as assigned. 

Job Requirements 

  • Adherence to Company policy and procedures is required. 
  • Perform duties in accordance with the Vision & Values of Associated Banc-Corp. 
  • Regular attendance is required. 
  • Basic math and reading skills, and attention to detail. 
  • Use of basic office equipment (e.g., photocopier, voice mail, "fax" machine, calculator, multiple line telephones, typewriter, computers etc.). 
  • Represent the organization in a professional and positive manner. 
  • Maintain credit exception approval percentages within corporate approved guidelines