Portfolio Manager

Portfolio Manager

Job Summary:

Responsible for independently evaluating and overseeing complex Wholesale Banking loans and relationships within the bank's lending limits, collaborating with various banking teams to deliver credit solutions. The role includes underwriting, portfolio management, deal team coordination, and client engagement both internally and externally. It also involves monitoring portfolio performance, maintaining risk ratings, ensuring covenant compliance, identifying issues, and driving remediation actions. Participation in special projects to improve portfolio management processes is also expected.

Key Responsibilities:

• Lead independent underwriting for new and renewal credit opportunities
• Analyze financial statements, cash flows, and industry risk factors
• Assess collateral, guarantor support, and credit structure
• Develop financial forecasts using Moody’s or Excel models
• Recommend credit structure, risk exposure, and policy compliance
• Monitor portfolio performance, risk ratings, and covenant compliance
• Proactively identify and resolve credit risk issues
• Participate in client and relationship manager meetings as lead or contributor
• Support initiatives to improve portfolio management processes
• Ensure compliance with regulatory and internal policies including BSA and AML requirements
• Collaborate with Relationship Managers, Credit Risk, and Treasury teams
• Mentor and support development of junior Credit Portfolio Managers

Education and Experience:

• Bachelor’s degree in accounting or finance required
• Minimum 7 years of experience in commercial and government contract lending required

Knowledge and Skills:

• Experience across C&I, CRE, public sector, retail, and service industries
• Strong expertise in commercial credit and underwriting
• Advanced financial statement and cash flow analysis skills
• Knowledge of construction lending (if applicable)
• Proficiency in Moody’s or similar financial systems
• Strong decision making and business judgment
• Excellent written and verbal communication skills
• Ability to structure and negotiate credit facilities
• Advanced Microsoft Excel and Word skills
• Strong organizational and time management skills
• Ability to manage multiple priorities and deadlines
• Ability to work independently and collaboratively

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