Commercial Portfolio Manager II - Equipment Finance

Fifth Third Bank • Cincinnati, OH

1d • $82,100 - $172,500 • Onsite

About The Position

The Commercial 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 role requires an anticipatory, forward-looking, independent, transparent, and collaborative approach to identifying, communicating, and managing risk.

The position is responsible for managing risk within the Bank’s risk appetite, following policies and procedures, elevating concerns, and supporting positive customer and colleague experiences. It may provide performance feedback, development opportunities, and mentoring to credit analysts and other junior team members. The role is located in Cincinnati, Ohio.

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 ability.
• 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.
• Perform portfolio monitoring, 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 financials and projections to support accurate risk ratings, identify emerging credit problems early, and articulate industry trends.
• Manage underwriting, approval, and documentation processes for transactions, including new money, loan extensions, amendments, waivers, and ancillary products.
• 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 recruiting, training, and mentoring junior team members.
• Meet with prospects or 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.
• Provide timely, candid, and constructive performance feedback to employees as applicable; support employee development, succession planning, and recognition.

Benefits

• Comprehensive benefits programs supporting physical, financial, emotional, and social well-being.
• Eligibility 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