Portfolio Manager - Arkansas

About Our Opportunity

The Portfolio Manager plays a critical role in maintaining and enhancing the financial viability of a loan portfolio by collaborating with local retail, credit, and leadership teams. The primary objective is to restore or sustain loans in a viable financial position through restructuring, borrower counseling, creative credit packages, and resolution of distressed accounts. The role focuses on enhancing customer success, reducing non-earning
assets, and preventing loans from entering special classification.

This role applies solid functional knowledge and sound judgment to deliver dependable, high-quality work with minimal direction. Team members at this level manage moderately complex responsibilities, balance priorities effectively, and contribute meaningful insights that support team and functional performance. They are trusted to navigate varied situations, identify improvement opportunities, and operate with increasing autonomy.

How You Will Spend Your Time

• Partners with leaders and cross-functional teams to develop, implement, and monitor sales, credit, and risk
  strategies aligned with the Association’s goals and credit quality standards.
• Serves as a subject matter expert and consultant for complex, distressed, and priority accounts, providing
  guidance on credit packages, loan structures, classifications, servicing strategies, and use of risk mitigation tools (including FSA programs).
• Analyzes financial performance of priority and high-risk accounts, including balance sheets, cash flows, and
  income statements, to identify risks, opportunities, and recommended actions.
• Proactively manages high-risk accounts by maintaining priority account lists, conducting regular reviews, and
  making recommendations to mitigate credit and operational risks in alignment with the Three Lines of
  Defense policy.
• Communicates portfolio developments, trends, and risk strategies through consistent updates to Senior Vice
  Presidents and Regional Vice Presidents (RVPs).
• Coaches, trains, and supports sales and retail teams to strengthen competencies in loan structuring, risk
  management, and customer conversations; serves as a resource to support customer and team needs during
  complex situations or staffing gaps.
• Manages assigned work with minimal direction delivering a high degree of accuracy, quality and timely
  completion.
• Applies functional knowledge and judgment to evaluate information and make informed decisions.
  Anticipates needs, manages competing priorities, and proactively communicates status or risks.
• Supports process improvements by identifying gaps and recommending practical solutions.
• Collaborates effectively across teams to advance shared goals and business outcomes.
• Serves as a resource to less experienced team members through informal guidance.

Education & Experience

• High School Diploma/GED with 7 years relevant experience required. 
• Bachelor's Degree with 3 years relevant experience preferred.

Mental & Physical Requirements

While engaged in this position, team members will routinely sit, use hands for tasks, and communicate orally. Standing or walking is frequently required, while occasional demands include reaching with hands and arms, and lifting or moving up to ten pounds. Vision requirements encompass close and distance vision. The work environment typically has a moderate noise level. This role may entail a blend of mental and physical capabilities, requiring strong mental acuity, problem-solving skills, and occasional physical tasks such as standing, lifting, or extended computer usage. Some roles may require physical or mental requirements related to driving, such as a valid driver's license, and the ability to drive a long-distance. Reasonable accommodations will be considered for individuals as requested.