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  • 4140 Thielman Lane
    St. Cloud, MN 56301

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Portfolio Manager

Stearns Bank • St. Cloud, MN

Posted 22 days ago

Job Snapshot

Banking - Financial Services
Banking, Customer Service

Job Description

Come Grow with Us and Join a Top 100 Companies to Work for!  Stearns Bank is looking for a Portfolio Manager at our St. Cloud, MN location.



Stearns Bank N.A. has a great job opportunity for a Portfolio Manager.  This position works directly with Commercial Lenders to assist in the day to day management and monitoring of their loan portfolios.  This position will communicate with current customers, potential customers, builders, and property managers to gather information to service and analyze new and current projects.



  • Obtain loan request information from commercial lender or borrower and provide preliminary review of credit information, financial statements, tax returns and other related information pertaining to the loan.

  • Assist commercial lender in loan structuring and loan decision process.  Identify and communicate points of exposure on current loans and well as possible solutions.

  • Monitor loan maturity dates, past dues, pre and post close reviews and analyze permanent commitment letters for conformity.

  • Monitor construction schedules—watch for lagging performance and over runs, for timely completion of projects, and receipt of certificate of occupancy, in conjunction with our construction department. 

  • Work with Commercial Lenders in monitoring problem loans including building and maintaining problem loan reports and assisting in working these loans to a safe conclusion for the bank.

  • Monitor underwriting process for new transactions, document renewals, modifications and covenant violations.

  • Ensure compliance with the Bank’s credit policies and procedures, guidelines and regulatory requirements.

  • Effectively monitor portfolio for revenue opportunities and/or loan exposures.

  • Work with clients to modify and/or restructure existing loans as needed.

  • Help resolve credit problems, delinquent payment issues and other related affairs.

  • Provide direction and work closely with lending assistants to maintain deadlines throughout the loan process.

  • Maintain a working knowledge of all legal and regulatory compliance issues as they pertain to this position.

  • Loss prevention and security as applicable for this position.

  • Additional duties as assigned.


Job Requirements


  • Bachelor’s degree or equivalent from a four-year college or university; and/or 2 to 3 years related banking experience; or equivalent combination of education and experience.

  • Strong analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry, competition and projections.

  • Strong knowledge of basic banking products, commercial lending products and ability to match solutions with the borrowers.

  • Excellent organizational skills, attention to detail and the ability to work in a fast-paced environment.

  • Ability to perform job responsibilities with minimal direction.

  • Strong written and verbal communication skills.

  • Ability to work independently and within a team.

  • Flexible.




Founded in 1912, Stearns Financial Services Inc. (SFSI) is a $2 billion well-capitalized, independent financial holding company based in St. Cloud, Minnesota. Specializing in nationwide small business lending and equipment financing, Stearns has maintained outstanding customer service, fast decisions, and customized finance solutions to their customers for decades.

Stearns Bank has earned itself a stellar reputation amongst customers and competitors alike. This reputation goes beyond just word-of-mouth, as Stearns has been recognized by the Independent Community Banker’s Association (ICBA) as the #1 top-performing bank in the nation over a based on the 3-year average Return on Assets for banks $1 billion or more. They have also been recognized by American Banker as the #1 top-performing bank in the nation over a 3-year period for Return on Equity for banks from $2 billion to $10 billion.

As a 2017 & 2018 recipient of the Minnesota Business Magazine 100 Best Places to Work in Minnesota award, Stearns takes pride in their team and holds their employees in extremely high regard.  We offer a competitive salary and benefit package including our Employee Stock Ownership Program-one of the best long-term incentive programs in the nation.



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