Commercial Portfolio Manager I - National Dealer Services

Fifth Third Bank • Costa Mesa, CA

1d • $71,100 - $145,900

About The Position

The Commercial 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 manager partners with Relationship Managers, Senior Portfolio Managers, and Credit Risk throughout the deal lifecycle, handling covenant structuring and analysis, collateral evaluation, risk-rating assessment, and preparation of well-supported credit recommendations.

The position operates within the Bank’s risk appetite and requires consistently identifying, assessing, managing, monitoring, and reporting risks. It also requires compliance with internal policies and regulatory guidelines, accurate and reliable system records and electronic files, and a commitment to positive customer experiences and responsible conduct. The role may provide performance feedback and development support to other employees, typically credit analysts.

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 and ability to interact with clients.
• Ability to partner with deal stakeholders, including clients, Relationship Managers, and credit teams.
• 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 commercial banking portfolio management or underwriting, ideally in dealer services.

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 and periodic deal reviews, and execute decisions to renew or modify deals.
• Work with Credit Risk, Senior Portfolio Managers, and Relationship Managers to actively manage the Bank’s exposure to clients in the portfolio.
• 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.
• Participate in training junior team members.
• Maintain accurate and complete 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; support their development and career growth; help develop talent and succession planning; and recognize accomplishments.
• Identify, assess, manage, monitor, and report risks while operating within the Bank’s risk appetite.
• Follow policies and procedures, raise concerns, and act in ways that support customers and colleagues and promote a positive customer experience.

Benefits

• Comprehensive benefits programs supporting physical, financial, emotional, and social well-being.
• Incentive compensation plan eligibility, with payments based on company, line-of-business, and/or individual performance.

What This Job Offers

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