Portfolio Manager

It's fun to work in a company where people truly BELIEVE in what they're doing! We're committed to bringing passion and customer focus to the business.

Portfolio Manager Location: Chattanooga, TN

If you’re looking for a career where purpose meets opportunity, and where your contributions truly make a difference, Wilson Bank & Trust is the place for you.

ABOUT US

Working at Wilson Bank & Trust means joining a purpose-driven organization where community impact and professional growth go hand in hand. The commitment to serving communities is matched by dedication to supporting employees - through recognition, rewards, and opportunities to grow. Inside our walls, you’ll find a workplace that reflects the same trusted reputation we’ve built since the beginning. Collaboration and servant leadership are at the heart of everything we do, creating an environment where talent is valued and service is elevated. Your voice matters here - feedback drives decisions on workplace flexibility, transparency, and strategic priorities.

ABOUT THE POSITION

Be the Guide for Life’s Big Decisions Imagine sitting across from a family ready to buy their first home or a business owner planning to expand. In a Lending role at Wilson Bank & Trust, you’re more than a banker - you’re a trusted friend who helps turn dreams into reality. Every conversation is an opportunity to guide someone through milestones that shape their future, from purchasing a home to growing a business. You’ll build relationships that go beyond transactions, becoming the person customers rely on for clarity and confidence in complex financial decisions. Over time, you’ll see those dreams come to life - homes filled with laughter, businesses thriving in your community - and know you played a part in it. It’s about being a cornerstone in your community, offering expertise and empathy while partnering with teams across the bank to deliver solutions that matter. Your career grows alongside the people you serve, and together, you’ll write stories of progress and possibility that last for generations.

Position Summary The Portfolio Manager I supports the ongoing administration, monitoring, documentation, and servicing of assigned lending portfolios after closing. Working in partnership with lenders and internal teams, this position helps maintain portfolio quality, timely financial and collateral documentation, accurate reporting, regulatory compliance, and a strong customer experience. The Portfolio Manager I identifies and escalates documentation, credit, collateral, past-due, covenant, and servicing concerns, and supports timely resolution in accordance with bank policy and approval requirements. This position reports to the Regional President and provides excellent service and support to team members and customers while demonstrating the Company’s values and supporting the mission.

Position Duties & Responsibilities

• Provide ongoing administrative and portfolio support for lending relationships following closing, including renewals, modifications, extensions, annual reviews, servicing requests, and other portfolio maintenance activities
• Monitor assigned portfolios for upcoming maturities, financial statement requirements, covenant testing, insurance renewals, collateral documentation, lien perfection, exceptions, past-due status, and other required follow-up
• Gather, organize, and review borrower and guarantor financial information, tax returns, collateral documentation, and supporting materials for completeness, accuracy, and consistency with approval terms
• Support preliminary financial and credit review by identifying material changes, missing information, policy exceptions, documentation concerns, and emerging portfolio risks for escalation to the appropriate lender or manager
• Review loan approvals and documentation to confirm that terms, collateral, lien position, insurance, and other requirements are accurately reflected and maintained
• Maintain accurate, complete, and well-organized electronic credit and loan files in accordance with bank standards, record-retention requirements, and audit or examination expectations
• Coordinate with lenders, credit, loan operations, compliance, legal, appraisers, attorneys, insurance providers, and other internal or external partners to resolve documentation, collateral, servicing, and portfolio issues
• Communicate professionally with customers to request financial information, provide status updates, coordinate servicing needs, and follow up on outstanding requirements
• Prepare and distribute recurring and ad hoc reports related to portfolio activity, maturities, exceptions, past-due loans, covenants, production, and other management needs
• Assist with collection and loss-mitigation follow-up on past-due or otherwise downgraded credits as directed, while promptly escalating material concerns
• Support construction draw monitoring, collateral inspections, appraisal or evaluation tracking, and related documentation when applicable to the assigned portfolio
• Process or coordinate approved loan maintenance and servicing requests accurately and within established authority, procedures, and service standards
• Participate in portfolio reviews, lending meetings, training, process-improvement initiatives, and cross-functional discussions as requested
• Serve as backup for lending assistant
• Maintain current knowledge of lending practices, applicable regulations, bank policies, loan products, systems, and documentation requirements
• Maintain professional and technical knowledge by attending educational workshops, reviewing professional publications, establishing personal networks, and participating in professional associations
• Attend training as requested
• Adhere to compliance with all federal bank regulations and laws, including those for consumer protection and the Bank Secrecy Act/Anti-Money Laundering Program
• Participate in outside community activities as required
• Perform other duties as assigned

Required Qualifications

• High School diploma or GED
• Associate degree in business, finance, accounting, or a related field preferred
• 3 years of experience in banking, lending operations, loan documentation, credit support, or a related financial services role
• Previous portfolio manager experience preferred
• Experience supporting lending portfolios preferred
• Experience with real estate, construction, small business, and secured lending documentation preferred
• Experience with bank loan-processing, document-preparation, imaging, servicing, or portfolio-reporting systems preferred
• Proficiency with Microsoft Office, including Excel, and the ability to learn and effectively use loan origination, documentation, imaging, servicing, and reporting systems
• Working knowledge of loan documentation, servicing, collateral, lien perfection, insurance, and exception management
• Working knowledge of lending regulations, internal controls, confidentiality requirements, and BSA/AML responsibilities
• Ability to read and apply loan approvals, credit memoranda, title commitments or opinions, appraisals or evaluations, deeds of trust, UCC documentation, and related loan documents
• Ability to review financial information, recognize inconsistencies or developing concerns, and escalate issues appropriately
• Ability to manage multiple priorities and deadlines while maintaining accuracy, attention to detail, and sound judgment
• Effective verbal and written communication skills and excellent interpersonal skills
• Effective presentation skills
• Critical thinking and problem-solving skills
• High standards for integrity, honesty, professionalism, and work ethic
• Commitment to service excellence
• Ability to work independently while demonstrating excellent organization and follow through
• Demonstrate flexible and efficient time management and ability to prioritize workload
• Ability and willingness to work with purpose and a strong sense of urgency
• Self-motivated, positive, and enthusiastic
• Self-starter with a strong desire to exceed expectations and capable of supporting a team
• Maintain confidentiality discretion
• Ability to effectively work in collaboration with others to achieve business objectives
• Must be able to work extended hours as needed
• Willing to grow and be challenged

COMPREHENSIVE BENEFITS & RECOGNITION

We believe success should be acknowledged and celebrated. That’s why we offer an all-inclusive total compensation package, including generous ATO, personal days, sick time, along with unique offerings such as the ability to combine accrued time with short-term disability for 100% pay, and more. Our Employee Assistance Program and Employee Care Fund provide additional support when you need it most. We celebrate achievements through peer-nominated award ceremonies and an interactive digital rewards platform, ensuring employees’ contributions are recognized companywide.

GROW WITH US

“Grow With Us” is more than a slogan - it’s an invitation. Whether partnering with local schools to teach the next generation hands-on financial life lessons through School Bank, exploring diverse career paths through our Banker Academy Program, or investing in yourself through our Employee Stock Purchase program, you’ll find opportunities tailored to your interests and ambitions while working for WBT. We invest heavily in development through mentorships, workshops, banking schools, and certifications because when our people grow, our customers thrive.