Commercial Portfolio Manager II

Fifth Third Bank • Bakersfield, CA

1d • $82,100 - $172,500

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 with Relationship Managers and Credit Risk throughout the deal lifecycle and handles covenant structuring and analysis, collateral evaluation, risk rating assessment, and preparation of well-supported credit recommendations. The position is expected to identify, communicate, and manage risk independently, proactively, transparently, and collaboratively.

The role is responsible for risk management in accordance with bank policies and procedures and the Bank’s risk appetite, while supporting positive customer and colleague experiences. It may provide performance feedback and development opportunities to junior employees, typically credit analysts, and help build a talent pool and succession bench.

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 for client-facing interactions.
• Strong interpersonal and communication skills, with the ability to collaborate effectively with business and risk partners.
• 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.

Responsibilities

• Maintain an independent, current, and forward-looking view of each client’s creditworthiness and communicate it to business and risk partners.
• Conduct monitoring actions and 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 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, foreign exchange, interest rate derivatives, and commodity exposure.
• Review and recommend credit decisions, perform final risk rating analysis, and interpret credit lending policy for business partners.
• Ensure compliance with internal policies and regulatory guidelines.
• Participate in recruiting, training, and mentoring junior team members.
• Meet with prospects and clients as needed.
• Create and deliver portfolio performance reports and presentations for senior management, including strategic insights and recommendations.
• Maintain accurate and integral system records and electronic files to support compliance and data governance initiatives.
• Provide timely, candid, and constructive performance feedback to other employees, typically credit analysts, as applicable.
• Develop employees, provide challenging career-growth opportunities, support succession planning, and recognize and reward accomplishments, as applicable.

Benefits

• Comprehensive benefits programs supporting 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