Commercial Portfolio Manager III

Simmons Bank

. Prepare moderate to high-complexity credit analyses for commercial loans supporting credit approval .

Posted 10/28/2026full-timeMemphis • Tennessee • United StatesMid-LevelSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in credit analysis, financial statement interpretation, and compliance with regulatory requirements. Proficient in preparing cash flow models and underwriting new lending opportunities while maintaining strong analytical and organizational skills.

Highest-signal resume keywords

Credit AnalysisFinancial Statement InterpretationCash Flow ModelingRegulatory ComplianceMicrosoft Excel Proficiency

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit AnalysisFinancial SpreadingCash Flow ModelingUnderwritingPortfolio ManagementCollateral AppraisalsLoan Compliance MonitoringFinancial Statement AnalysisCredit Approval DocumentationProblem Solving

Soft Skills

Analytical SkillsOrganizational SkillsWritten CommunicationVerbal CommunicationPresentation Skills

Tools & Technologies

Microsoft ExcelMS OfficeLoan VantageSynapsisSynergy

Industry Keywords

Commercial LoansCreditworthinessLoan AgreementsRegulatory RequirementsFinancial Reports

About the role

Key responsibilities & impact

Prepare moderate to high-complexity credit analyses for commercial loans supporting credit approval
Screen and underwrite new lending opportunities
Prepare memoranda and facilitate underwriting for new transactions and renewals
Prepare cash flow models for credit decisions
Analyze financial statements, creditworthiness, management quality, industry risk, collateral appraisals, and related factors
Support loan officers and managers through financial statement spreading and analysis
Submit credit approval documents and write-ups for decision-making
Monitor assigned portfolios, asset quality, customer service standards, past dues, exceptions, and maturing loans
Monitor compliance with loan agreements and covenants and spread required financial statements
Report past dues, collect payments and renewal-processing items, and recommend actions for monitored accounts
Report deteriorating credit situations to officers
Participate in deal discussion meetings with lending personnel, market managers, and credit officers
Accompany lenders on customer and prospect calls when necessary
Collaborate with appraisal services, loan administration, third-party attorneys, borrowers, CCFG, title companies, and other parties
Perform in-house collateral appraisals and inspections in some markets
Ensure construction loan disbursements comply with bank policy and maintain monitoring and records
Ensure adherence to credit policy, guidelines, regulatory requirements, and applicable laws
Complete required compliance training
Perform other assigned duties and responsibilities

Requirements

What you’ll need

BS/BA Degree in Business, Accounting, Finance, or a related field required
5–10 years prior applicable experience including credit analyst, commercial lender, or portfolio manager
Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations
Ability to read, analyze, and interpret financial reports and/or legal documents
Ability to write routine reports, business correspondence, and procedures manuals
Ability to respond in writing to customer complaints, regulatory agencies, or members of the business community
Ability to effectively present information in one-on-one and small-group situations
Ability to solve practical problems and deal with a variety of concrete variables
Ability to interpret written, oral, diagram, or schedule instructions
Intermediate to advanced proficiency in Microsoft Excel and MS Office
Experience with financial spreading software
Familiarity with bank operating systems such as Loan Vantage, Synapsis, or Synergy, or equivalent
Ability to work independently with appropriate supervision
Ability to manage multiple projects and prioritize effectively
Strong analytical and organizational skills
Excellent written and verbal communication skills
Ability to sit or stand for extended periods of time
Ability to concentrate for extended periods of time
Ability to operate a computer