Elizabeth Clark

CRE Portfolio Manager | Credit Risk Management & Underwriting | AI SME Improving Workflows & Portfolio Discipline

Role: Portfolio Manager - Commercial Real Estate at Community Bank, N.A.
Location: Albany, NY, US
LinkedIn followers: 500 followers

Finance & AccountingView LinkedIn profile

About Elizabeth Clark

I manage a $400MM Commercial Real Estate portfolio with a focus on disciplined credit oversight, clear decision‑making, and early identification of emerging risks. My background spans CRE underwriting, middle‑market credit, and portfolio management, giving me a strong command of both deal execution and ongoing risk management.I also serve as the AI SME for our PM group, helping integrate practical, reliable tools that strengthen workflows, improve data integrity, and support more consistent credit outcomes. I’m drawn to work that brings structure, clarity, and efficiency to complex processes, and I partner closely with leadership and cross‑functional teams to support a more scalable, future‑ready credit platform.My approach is steady, analytical, and solutions‑oriented — always focused on strengthening the portfolio, improving the process, and elevating the team’s overall performance.

Experience

Portfolio Manager - Commercial Real Estate
Community Bank, N.A.
Aug 2025 — Present · Saratoga Springs, NY, US
Manage a $400MM Commercial Real Estate portfolio spanning multiple property types, borrower profiles, and deal structures- Monitor financial performance, covenant compliance, risk ratings, and emerging risks to maintain strong portfolio quality and early‑identify credit concerns- Review and structure new CRE transactions, assessing sponsor strength, cash flow, collateral, and market conditions to support sound credit decisions- Prepare clear, concise credit narratives and recommendations for senior credit approval, ensuring alignment with policy and risk appetite- Partner with RMs, Underwriters, and Credit Administration to move deals efficiently through underwriting, approval, and closing- Serve as the AI Subject Matter Expert (SME) for the PM group, developing practical AI‑enabled workflows, templates, and tools that improve efficiency, data integrity, and consistency across the team- Support leadership with future‑state process design, identifying opportunities where technology and automation can strengthen credit quality, reduce manual work, and enhance portfolio visibility.

Education

Siena University
Bachelor of Science - BS, Actuarial Science
Siena University
BS in Actuarial Science, Certificate in Risk Management
2009 — 2011

Skills

Mortgage Lending
Underwriting
Zeus
Financial Analysis
Microsoft Office Excel
Commercial Banking
Banking
Risk Management
Small Business
Small Business Lending
Baker Hill Statement Analyzer
Portfolio Management
Loans
Credit
Financial Modeling
Analysis
Commercial Lending
Financial Risk
Workers Compensation

Contact information

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Work email
•••••@cbna.com
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Current company

Community Bank, N.A.

Financial Services · 1.2K employees · Dewitt, New York, United States

Community Financial System Inc. (NYSE:CBU) is a full-service financial institution with more than 200 customer locations across New York, New Hampshire, Pennsylvania, Vermont, and Massachusetts, where we’re known as Community Bank, N.A. With over $15.9 billion in assets, we have the resources to finance a wide range of personal, business, and commercial business needs. Since 2012, Community Bank has consistently been named in the top 15 on Forbes’ list of Best Banks in America, twice reaching the No. 3 spot. Established in 1866, Community Bank empowers more than 3,000 employees across 22 states to be decision makers at the local level, leveraging the strong personal relationships we have with our customers with their financial expertise to drive the best results. This gives our team the confidence to make those decisions, and our customers the comfort in knowing the person they work with every day is the person they need to talk to. We consistently invest in our communities through financial support, fundraisers and volunteer efforts, giving our employees the support to help make a difference. Whether it’s donating to local non-profit organizations or financing the businesses that give a community its identity, working together to make life better is what Community Bank is all about. Member FDIC. Equal Housing Lender. We foster a culture that doesn’t just accept diversity, but values it. For more info, visit cbna.com/diversity. Other subsidiaries within the Community Financial Service, Inc. family include: Community Bank Wealth Management: - Community Investment Services, Inc. - Nottingham Trust, a division of Community Bank, N.A. - One Group Retirement Advisors - Nottingham Advisors, Inc. Partners: - Benefit Plans Administrative Services, LLC - OneGroup

cbna.com

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