Commercial Portfolio Manager I - National Dealer Services

Fifth Third Bank • Detroit, MI

2d • $71,100 - $145,900 • Onsite

About The Position

The Portfolio Manager I manages a portfolio of commercial loans and underwrites transactions. The role is accountable for ongoing financial statement review and analysis, proactive portfolio monitoring, and direct client interaction to understand borrower performance and risk. The position partners closely with Relationship Managers, Senior Portfolio Managers, and Credit Risk throughout the deal lifecycle. Its work includes covenant structuring and analysis, collateral evaluation, risk rating assessment, and preparation of well-supported credit recommendations.

The role is accountable for managing risk in accordance with the Bank’s policies and risk appetite, raising concerns, and supporting positive customer experiences. It may also provide performance feedback and development opportunities to other employees, typically credit analysts, and support succession planning and employee recognition.

Requirements

• Bachelor’s degree in Finance, Business Administration, or a related field.
• At least 3 years of experience in commercial banking portfolio management or underwriting.
• Strong analytical and critical-thinking skills.
• Strong verbal and written communication skills.
• Professional presence for client-facing work.
• Ability to partner with clients, relationship managers, credit teams, and other deal stakeholders.
• Expertise in financial and risk analysis, including financial modeling.
• Demonstrated effective problem-solving expertise.
• Proficiency with technology and ability to learn new applications.
• Ability to manage multiple projects and meet deadlines.

Nice To Haves

• Experience in dealer services is ideal.

Responsibilities

• Maintain an independent, current and forward-looking view of each client’s creditworthiness and communicate it to business and risk partners.
• Perform portfolio monitoring actions and periodic deal reviews, and execute decisions to renew or modify deals.
• Partner with Credit Risk, Senior Portfolio Managers, and Relationship Managers to actively manage the Bank’s exposure to portfolio clients.
• Analyze historical financials and projections to support accurate risk ratings, identify emerging credit problems early, and articulate industry trends.
• Manage underwriting, approval, and documentation for transactions, including new money, loan extensions, amendments, waivers, and ancillary products such as treasury management, FX, interest rate derivatives, and commodity exposure.
• Review and recommend credit decisions, perform final risk rating analysis, and provide business partners with interpretations of credit lending policy.
• Ensure compliance with internal policies and regulatory guidelines.
• Train junior team members.
• Maintain accurate and integral system records and electronic files in support of compliance and data governance initiatives.
• Where applicable, provide employees—typically credit analysts—with timely, candid, and constructive performance feedback; develop their potential and career growth; support succession planning; and recognize and reward accomplishments.

Benefits

• Comprehensive benefits designed to support employees’ and families’ physical, financial, emotional, and social well-being.
• Eligible to participate in an incentive compensation plan, with payments based on company, line-of-business, and/or individual performance.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level