Commercial Portfolio Manager II

Fifth Third Bank • Bakersfield, CA

2d • $82,100 - $172,500 • Onsite

About The Position

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

The position is expected to take an anticipatory, forward-looking, independent, transparent, and collaborative approach to identifying, communicating, and managing risk. It is accountable for following policies and procedures, doing the right thing for customers and colleagues, supporting a positive customer experience, and identifying, assessing, managing, monitoring, and reporting risks within the Bank’s risk appetite.

The role may provide performance feedback and development support to other employees, typically credit analysts. It is located in Bakersfield, California.

Requirements

• Bachelor’s degree in Finance, Business Administration, or a related field.
• At least 6 years of experience in portfolio management, commercial banking, or a related discipline.
• Strong understanding of accounting, credit analysis, portfolio management, structuring, underwriting, and legal documentation.
• Strong analytical and critical-thinking skills.
• Strong verbal and written communication skills.
• Professional presence suitable for client-facing work.
• Ability to collaborate effectively with business and risk partners.
• Expertise in financial and risk analysis, including financial modeling.
• Demonstrated effective problem-solving skills.
• Proficiency with technology and ability to learn new applications.
• Ability to manage multiple projects and meet deadlines.

Responsibilities

• Maintain an independent, current, and forward-looking assessment of each client’s creditworthiness and communicate it to business and risk partners.
• Perform portfolio monitoring actions, conduct periodic deal reviews, and execute decisions to renew or modify deals.
• Work with Credit Risk and Relationship Managers to actively manage the Bank’s exposure to portfolio clients.
• Analyze historical financial statements and projections to support accurate risk ratings, identify emerging credit problems, 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, foreign exchange, 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.
• Recruit, train, and mentor junior team members.
• Meet with prospects and clients as needed.
• Prepare and deliver portfolio performance reports and presentations for senior management, with strategic insights and recommendations.
• Maintain accurate and complete system records and electronic files in support of compliance and data governance.
• Where responsible for employees, provide timely, candid, and constructive performance feedback; develop employees and career opportunities; support talent planning and succession; and recognize and reward accomplishments.

Benefits

• Comprehensive benefits programs supporting physical, financial, emotional, and social well-being.
• Eligible to participate in an incentive compensation plan, with payment based on company, line-of-business, and/or individual performance.

What This Job Offers

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