Mascoma Bank is seeking a Commercial Portfolio Manager Team Lead to support our Commercial Lending team. In this role, you will partner closely with commercial lenders, build strong client relationships, provide financial analysis and portfolio oversight, and lead a team of Commercial Portfolio Managers. This is an excellent opportunity for an experienced commercial credit professional who brings strong leadership, sound judgment, and a commitment to exceptional client service.

Key Responsibilities

• This role combines commercial portfolio management, underwriting support, client relationship management, and team leadership. Key responsibilities include:
• Support commercial lenders throughout the loan origination process, including gathering information, coordinating documentation, and helping prepare complete loan packages.
• Analyze financial statements and credit information for current and prospective borrowers across a variety of business structures and transaction types.
• Assist with structuring, closing, and funding commercial loans in partnership with lenders and internal stakeholders.
• Build and maintain strong relationships with clients by delivering responsive service and helping identify additional banking solutions that meet their needs.
• Monitor portfolio performance, maintain accurate credit files, support annual reviews, and assist with covenant tracking, borrowing base monitoring, and exception management.
• Support lenders with delinquent or deteriorating credits by gathering updated information and assisting with reporting and follow-up.
• Lead, coach, and develop Commercial Portfolio Managers while supporting team performance, training, and daily operations.

What We’re Looking For

• Bachelor’s degree preferred; coursework in accounting, finance, or a related field is a plus.
• At least two years of commercial portfolio management experience required; prior supervisory experience preferred.
• Strong commercial credit background, including experience underwriting complex commercial relationships and varied business structures.
• Ability to analyze financial statements, assess credit quality, and support sound lending decisions with accuracy and attention to detail.
• Strong communication, relationship-building, and problem-solving skills.
• Proficiency with Microsoft Word and Excel; experience with commercial underwriting platforms is preferred.

Work Environment

• This role is primarily performed in a professional office environment.
• The position includes regular computer use, communication with clients and colleagues, and periodic travel to meetings or trainings.
• Mascoma Bank will provide reasonable accommodations in accordance with applicable law.

Preferred Strengths

• Successful candidates will bring a combination of leadership, professionalism, and client focus, including:
• Approachable, collaborative leadership style.
• Calm, professional judgment in fast-paced or challenging situations.
• Strong client service orientation and commitment to relationship management.
• Effective decision-making, time management, and organizational skills.
• High integrity, sound judgment, and a commitment to continuous learning and development.

Work Location: This position will be hybrid remote in Burlington VT, or the Upper Valley NH/VT, with an in-person expectation 2-3 days per week.

Why Mascoma Bank? 

• Strong culture of belonging with a team that values creativity, new perspectives, and innovation. 
• Community first minded. We care about our employees and the communities we serve. 
• Competitive compensation. 
• Career development and internal career mentorship. 
• Comprehensive health care, dental care, and vision. 
• 401(K) Program: 4% safe harbor employer match on top of 5% non-elective contributions following one year of service. 
• Generous PTO starting at 22 days per year, not including 11 paid holidays and 16 hrs. of Volunteer Time Off. 
• Tuition Reimbursement. 
• Student Loan Paydown and so much more! 

Background and Credit Check 

As part of our commitment to maintaining a secure financial institution, all final candidates will be required to successfully complete background and credit screenings as part of the hiring process. These screenings will be conducted in accordance with applicable laws and industry regulations. 

Please note: Having a record on a background or credit report does not automatically disqualify you. We evaluate results on a case-by-case basis, considering their relevance to the role and any regulatory requirements.

Our Commitment to Belonging! 

The communities served by Mascoma Bank consist of individuals from diverse backgrounds. Our employees likewise bring unique perspectives, experiences, and approaches to the bank. We strive to create a safe and welcoming environment for all who pass through our doors and a workplace that actively demonstrates mutual respect and trust, one of our core values. A truly inclusive culture leads to a sense of belonging and support for all team members and inspires innovation and creativity. We are committed to recruiting and retaining a diverse talent pool, increasing team member engagement through professional development and community outreach activities, and offering personal growth workshops and team-building opportunities. By embracing diversity, equity, and inclusion, we strengthen our communities and ourselves. 

Mascoma Bank is proud to be an Equal Employment Opportunity and Affirmative Action employer. We do not discriminate based upon race, ethnicity, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, veteran status, status as an individual with a disability, or other applicable legally protected characteristics. To request reasonable accommodations, please contact careers@mascomabank.com.

Mascoma Bank is an Affirmative Action and Equal Opportunity Employer, M/F/D/V.