Portfolio Manager

Company: F&M Bank
Location: Timberville
Posted on: February 17, 2026

Job Description:

Job Description Job Description Description: The Portfolio Manager plays a critical role in overseeing the performance and quality of the bank’s loan portfolio. This position combines portfolio management, credit analysis, loan authority, and staff training to ensure the loan portfolio is managed timely and the lending and credit staff upholds the Bank’s credit culture through sound lending practices and regulatory compliance. The ideal candidate will be a strategic thinker with strong leadership and analytical skills, with a background in credit analysis. Essential Duties: Manage assigned loan portfolio by working collaboratively with Market Executives to ensure timely credit decisions, i.e., loan renewals, annual relationship reviews, and loan modifications. Review and approve commercial loan requests using delegated authority. Conduct credit analysis and underwriting for new loans, renewals, and modifications. Collaborate with Commercial Relationship Managers to structure deals that align with bank policy and risk appetite. Participate in loan committee meetings and present credit recommendations. Train credit analysts on underwriting standards, financial analysis, and regulatory compliance. Prepare monthly and quarterly reports on portfolio performance, asset quality, and risk trends. Conduct stress testing and industry analysis to identify emerging risks. Supervisory Responsibilities: Manages the overall direction, coordination, and evaluation of a team of credit analysts. Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities include interviewing, hiring, coordinating training for new hires, planning, assigning, directing work, rewarding, disciplining employees, performance reviews, and addressing complaints and resolving problems. Other Duties: This job description is not designed to be an exhaustive list of duties. Duties, responsibilities, and activities may change at any time with or without notice. Requirements: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills, and/or abilities required. Knowledge, Skills, and Abilities · Ability to communicate effectively orally and/or in writing. · Ability to read, analyze, and interpret complex financial documents. · Ability to perform duties using credit analysis software. · Ability to work with and maintain confidential information. · Ability to lead and develop a diverse group of subordinates. · Possess effective interpersonal skills to relate to customers and employees. · Proficient organizational skills with the ability to function in a flexible work environment. · Proficient skills in MS Excel, Outlook, and Word. Education and/or Experience (Preferred) · A bachelor’s degree in Accounting, Business Administration, Finance, or other related field. · Three – five years of related experience or equivalent combination of education and experience. · Prior supervisory experience preferred. Physical and Mental Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. Position Type/Hours: This is a full-time, exempt level position working Monday – Friday with other days and hours as necessary to accomplish duties. Travel: Travel is primarily within the Bank’s market areas during the business day with occasional out-of-area travel for continuing educational opportunities.

Keywords: F&M Bank, Centreville , Portfolio Manager, Accounting, Auditing , Timberville, Virginia