Commercial Loan Portfolio Manager

Location: Kansas City, MO

The Numbers: $75,000 – $100,000 Base Salary (Commensurate with depth of credit "muscle" and portfolio scale)

The Big Picture Our Client is a mission-driven, 75-year-old certified CDFI that serves as the economic heartbeat of Kansas City. In a banking landscape often driven by quarterly quotas, they operate with a focus on high-impact community transformation and long-term asset stability. As they execute a strategic expansion backed by significant federal investment (ECIP), they are looking for a Portfolio Manager who values the stability of a generational institution but possesses the sophisticated analytical "muscle" required to manage a complex, mission-critical portfolio.

The Mission Your goal is to be a Strategic Architect of Risk. As the Commercial Loan Portfolio Manager, you are the operational backbone of credit integrity. You aren't just spreading financials; you are responsible for the ongoing credit administration, monitoring, and proactive risk management of a portfolio totaling $100MM or more. If you are a credit professional who thrives on "solving the puzzle" of C&I and CRE deals and wants a seat where your voice directly impacts the bank's long-term safety and soundness, this is your desk.

The Daily Grind (The Good Kind)

• Portfolio Guardianship: Lead the ongoing monitoring and risk management of a $100MM+ commercial portfolio, ensuring every file reflects the true risk position of the bank.
• Credit Analysis: Conduct annual and periodic credit reviews, renewals, and risk rating assessments with a relentless focus on global cash flow and covenant compliance.
• Proactive Mitigation: Identify deteriorating credit trends early and recommend appropriate risk mitigation strategies to the Executive team.
• Lender Partnership: Collaborate directly with Commercial Lenders on loan structuring, modifications, and renewals, balancing "Relationship" with "Risk."
• Regulatory Alignment: Prepare bulletproof credit memoranda and portfolio reports for internal/external audits and regulatory examinations, maintaining the bank’s "Safe Harbor" status.

Your Toolkit

• The Battle Scars: 5+ years of experience in commercial credit analysis or portfolio management. You’ve seen enough cycles to know the difference between a temporary dip and a red flag.
• Scale Experience: Proven history managing $100MM+ commercial loan portfolios. You are comfortable with the volume and complexity that comes with high-stakes lending.
• Technical Mastery: Strong analytical skills with a deep working knowledge of both C&I and CRE credits. Prior experience with complex or leveraged commercial structures is highly preferred.
• Regulatory Rigor: A solid grasp of regulatory expectations and credit risk management practices within a community banking environment.
• Education: A Bachelor’s degree in Finance, Accounting, or a related field is preferred, but we value your history of maintaining asset quality above all else.

The Payoff

• Compensation Detail: A competitive base salary of $90K – $130K based on your specific portfolio management experience and credit "muscle."
• Impact & Stability: Work for a bank where your oversight directly supports the stability of the KC metro and ensures the continued success of community-focused initiatives.
• Authority: This is a high-impact role where you aren't just following a manual; you are expected to provide objective data that drives the bank’s strategic credit decisions.

Our Partnership Approach Thank you for trusting Lupton Partners with your career transition. We take immense pride in our work, but our focus is always on the outcome—for both the candidates we represent and the companies we serve.

If the first role we discuss isn't the perfect fit, we won't force it. Our goal is to land you in the right place, not just the next place. We also recognize that career changes—even the most exciting ones—come with a side of stress. That’s normal. We’re here to handle the heavy lifting and provide clarity at every step.

What to Expect

• The Introduction Call: This is a high-level chemistry check. We’ll dive into your history, map out your career goals, and get real about compensation and advancement targets.
• Active Searches: We’ll match your story to our clients' needs. We keep compensation targets front-and-center so nobody’s time is wasted.
• Client Submissions: It is our promise that we do not present your name or credentials to clients without clear communication and your explicit permission.
• Interview Feedback: This is where we earn our keep. Call us as soon as you hit the parking lot. If you think you fumbled a question or found a better answer ten minutes too late, let’s talk.
• Background Checks: Transparency wins here. If there’s a potential red flag in your background, drug screen, or credit report, tell us now so we can manage the narrative together.
• Offers: No surprises. We’ll walk through a verbal offer together before the formal letter arrives. Since we align on numbers in our first call, this stage should be a “green light” celebration.

Questions? Reach out anytime. Travis Lupton Office: 913-521-3303 | Mobile: 913-231-8472

travis@luptonpartners.com