C&F Bank

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Portfolio Manager

Portfolio Manager

Job ID 
# of Openings 
Job Locations 
US-VA-Glen Allen
Posted Date 

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Portfolio Manager


C&F Bank is recognized as one of the premier community banks in the country serving Virginians since 1927, and we are looking for a highly energetic and results focused Portfolio Manager to join our growing C&F Bank Family!


The Portfolio Manager will primarily complete their credit analysis duties for credit relationships belonging to their assigned Relationship Manager, performing all customary underwriting, risk management, and prudent credit analysis as detailed below and as detailed in the Bank’s Loan Policy.


Underwriting and Risk Management

  • Partners with Relationship Manager(s), providing guidance on relevant questions for the prospective client and guidance on financial information to request from the client to underwrite the prospective transaction; also provides guidance and initial thoughts on structuring, utilizing Commercial Credit Analysis Manager and Senior Loan Underwriter as appropriate
  • Analyzes financial information that is required for prudent loan approval and risk management practices
  • Evaluates adequacy of loan structure and makes appropriate loan structuring recommendations; such recommendations may include, but are not limited to, loan term, loan amortization, loan pricing, and loan covenants
  • Provides direction and feedback to Loan Assistants and Relationship Manager(s) on proper workflow procedures and adherence to Bank credit policy
  • Works with RM, Credit Analyst Manager, and Senior Underwriter as appropriate on loan closings, including assistance with review of all due diligence items and ensuring that all closing conditions that require review by RM or Underwriting are met to the Bank’s satisfaction
  • Assists RM, Credit Analyst Manager, and Senior Underwriter on the review of all loan documentation, including the review of comments made by Borrower’s counsel


Credit Analysis

  • Researches borrower industry and market conditions (eMentor)
  • Analyzes borrower and any related entity financial statements
  • Analyzes guarantor/personal tax returns and financial statements
  • Performs complete and accurate cash flow and debt service analysis to include business and global cash flow debt service coverage ratios
  • Analyzes collateral securing loan request, performing an independent analysis of collateral being offered and whether or not this conforms to Bank guidelines
  • Presents findings to appropriate loan approval bodies when necessary
  • Develops appropriate questions resulting from credit analysis and provides such questions to the RM in an effort to complete a full underwriting

Credit Request Management

  • In conjunction with the Commercial RM, creates Credit Request Memo used for credit presentation
  • Develops Term Sheets and Commitment Letters for prospective credit requests as appropriate; prepares all Commercial Appraisal Requests, submitting such requests to Credit Administration for appraisal ordering
  • Creates PowerPoint slides for credit presentation (when applicable)


Special Projects/Other Duties

  • Assists and participates in both client and prospect business development call preparation at the direction of the Relationship Manager and Credit Analyst Manager
  • Works to retain and grow assigned client relationships, serving as the Commercial RM for selected customers and seeks the guidance of the Credit Analyst Manager and assigned Relationship Manager as appropriate
  • Actively works to keep past dues to a minimum
  • Responsible for renewals and exceptions
  • Partners with Portfolio Management and Credit Administration on credit requests and adheres to established Portfolio Management guidelines (i.e., delinquencies, documentation preparations, financial statement tracking, exceptions, and matured loans)
  • Works with complex credits, identifying and mitigating risk as assigned
  • Assists with special projects and other duties as assigned






Knowledge: 3-5 years of experience in financial services, preferably in a risk management, credit underwriting, or loan production role; previous experience in construction lending is preferred as well as experience in commercial banking. Strong financial accounting knowledge/background is required.


Skills: Demonstrated analytical skills; demonstrated proficiency in the use of standard and specialized computer hardware and software packages such as Microsoft Office; demonstrated strong oral and written communication skills.


Abilities: Read and understand a variety of reports, spreadsheets, and forms; effectively communicate information clearly through all media channels; interact effectively with clients and Bank employees at all levels; handle several tasks simultaneously and to work under time limits; must be able to effectively present findings to varied audiences.


Education: Bachelor’s degree in Finance, Business Administration, Accounting, or Economics is required; MBA preferred.




Equal Employment Opportunity Statement C&F Bank (the Bank) is committed to providing equal employment opportunity to all qualified persons and reaffirms in policy and practice that it shall not discriminate against applicants or employees because of race, color, religion, gender, age (over 40), disability, genetic information, veteran status (disabled veterans, recently separated veterans, active duty wartime or campaign badge veterans, Armed Forces service medal veterans, and Vietnam era veterans), national origin, or any other consideration protected by applicable federal, state, or local law. This applies to all areas of employment, including promotion, transfer, layoff, termination, compensation, benefits, recruitment advertising, recruitment, and selection for training.