CRE Commercial Senior Portfolio Manager

Fifth Third Bank • Cincinnati, OH

9d • $96,500 - $207,500

About The Position

The Senior Portfolio Manager manages a commercial real estate (CRE) portfolio through comprehensive financial analysis, forward-looking risk assessment, and proactive monitoring of borrower performance. The role involves regular client interaction, ownership of portfolio risk outcomes, and accountability for adherence to credit policy and regulatory guidelines, with a focus on identifying emerging credit issues and portfolio-level risks early. As a senior coverage-team member, the position partners with Relationship Managers and Credit Risk throughout the deal lifecycle, including credit structuring, pricing, risk ratings, and due diligence.

The role is accountable for identifying, assessing, managing, monitoring, and reporting risks within the Bank’s risk appetite, while following policies and procedures and supporting positive customer experiences. It may include direct supervision and day-to-day direction of junior portfolio management team members, performance feedback, coaching, employee development, and succession planning.

Requirements

• Bachelor’s degree in Finance, Business Administration, or a related field.
• At least 8 years of experience in CRE portfolio management or underwriting.
• Subject-matter-expert understanding of accounting, credit analysis, portfolio management, structuring, underwriting, and legal documentation.
• Strong risk judgment and demonstrated ability to manage complex and higher-risk portfolios.
• Excellent interpersonal and communication skills, including the ability to collaborate effectively with business and risk partners.
• Ability to manage multiple priorities, complex transactions, and strategic initiatives while meeting deadlines.

Nice To Haves

• Experience providing guidance or coaching to junior staff, or reviewing their work, is preferred but not required.

Responsibilities

• Maintain an independent, current, forward-looking view of each client’s creditworthiness and communicate risk perspectives to business and risk partners.
• Conduct ongoing monitoring and periodic deal reviews; approve or recommend renewal, modification, or exit decisions as appropriate.
• Analyze historical financial statements and projections to support accurate risk ratings, identify emerging credit issues, and articulate industry and company trends.
• Manage underwriting, approval, and documentation for new-money transactions, renewals, extensions, amendments, waivers, and ancillary products.
• Review and recommend credit decisions, perform final risk-rating analysis, interpret credit policy for business partners, and escalate non-standard or higher-risk requests.
• Ensure compliance with internal credit policies, regulatory guidelines, and documentation standards.
• Manage a larger, more complex portfolio that may include higher-risk, lead-bank, and high-touch client relationships.
• Collaborate with Relationship Managers and Credit Risk as an active coverage-team member.
• Meet with prospects and clients as needed, lead diligence discussions for assigned relationships, and support escalated discussions with senior leadership.
• Provide guidance on deal structures, pricing, and risk-mitigation strategies.
• Create and deliver portfolio performance reports and presentations for senior management, including risk insights and recommendations.
• Maintain accurate system records and electronic credit files to support data governance and regulatory readiness.
• Participate in senior-level team meetings and provide input on portfolio themes, risk trends, and process improvements.
• Lead or participate in special projects and strategic initiatives to improve portfolio management practices and systems.
• Review junior team members’ work for accuracy and consistency and provide coaching and feedback to Credit Analysts.
• When supervising employees, provide timely, candid, and constructive performance feedback; develop employees and succession strength; provide growth opportunities; and recognize accomplishments.

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: Senior