Portfolio Manager II or III (Commercial Credit)

Location: Buffalo, NY; onsite Monday through Thursday with an optional remote Friday. Occasional travel is required for training and team meetings.

Salary: $61,500–$110,000 annually, plus potential bonus opportunities and benefits.

Company

hirify.global provides commercial banking and lending services.

What you will do

• Monitor the performance of commercial borrowers and escalate credit issues or remediation needs.
• Review financial statements, tax returns, appraisals, credit reports, due diligence materials, industry research, and peer data.
• Prepare financial models, cash-flow analyses, covenant calculations, sensitivity analyses, risk ratings, and collateral valuations.
• Identify emerging credit risks, changes in financial condition, policy non-compliance, and early-warning indicators.
• Support annual reviews, renewals, interim updates, covenant monitoring, and criticized-asset reviews.
• Coordinate with Relationship Managers, Credit Risk, Underwriting, and Special Assets to obtain approvals and maintain accurate loan records.

Requirements

• Bachelor’s degree in Accounting, Finance, Economics, or a related discipline is preferred.
• Experience in commercial lending, commercial credit, public accounting, relationship management, credit underwriting, or portfolio management is preferred.
• Strong experience in financial analysis, credit risk assessment, financial statement review, collateral valuation, industry analysis, and risk-rating assignments.
• Ability to assess moderate to complex loans and documentation, coordinate loan closings, and administer construction loans.
• Strong analytical, organizational, critical-thinking, and multitasking skills.
• Ability to work with onsite equipment and departmental software.

Culture & Benefits

• Individual contributor role working under limited supervision.
• Collaboration with Commercial Banking, Credit Risk, Underwriting, and Special Assets teams.
• Optional remote work on Fridays.
• Additional bonus earning opportunities and employee benefits are available.
• Inclusive workplace and equal employment opportunity commitment.