CRE Underwriting Portfolio Manager Sr
About The Position
The Senior CRE Credit Products Portfolio Manager is a strategic advisor who structures, negotiates, and manages highly complex commercial credit relationships. The role influences credit strategy through market insights, proactive risk identification, and innovative deal structuring. It supports long-term portfolio health and the bank’s growth objectives, and serves as a mentor and thought leader for junior credit professionals while helping shape underwriting and risk-management practices. The position works with relationship managers, senior leadership, clients, legal counsel, and internal teams on credit strategy, negotiations, and deal execution. It also monitors portfolio risks and industry and economic factors, applies independent judgment to portfolio decisions, resolves portfolio issues, and identifies opportunities to improve credit processes and procedures. The role must adhere to applicable regulatory and compliance requirements and complete required compliance training.
Requirements
- Undergraduate degree (four years or equivalent) in Finance, Accounting, Economics, or a related field, or 12+ years of equivalent experience.
- At least 10 years of experience in commercial credit analysis or structuring, underwriting, portfolio management, and risk analysis.
- Deep expertise in structuring and negotiating complex credit agreements.
- Strong leadership skills and the ability to influence credit strategy and policy.
- In-depth understanding of macroeconomic factors and their effects on credit risk.
- Proven ability to manage large portfolios and advise senior executives.
- Exceptional communication and stakeholder-management skills.
- Knowledge of legal documentation relevant to the supported line of business, including credit agreements, and ability to develop junior associates, work with internal and external legal counsel, and negotiate directly with clients.
- Deep knowledge of complex commercial lending structures, industry trends, and economic factors affecting credit risk.
- Ability to assess portfolio risk at a macro level and identify patterns and trends that inform credit strategy.
- Ability to engage with senior leadership, legal teams, and high-profile clients on structuring and negotiating credit agreements.
- Expertise in negotiating complex loan terms and partnering with legal counsel and senior relationship managers to finalize agreements.
- Ability to identify opportunities for process improvement, technology adoption, and implementation of best practices.
- Understanding of credit policies, compliance standards, and legal considerations in lending.
- Ability to communicate complex credit decisions clearly and persuasively to internal and external stakeholders.
- Ability to build and maintain effective stakeholder relationships through clear communication, proactive collaboration, and cross-functional insights.
- Ability to build trusted internal or external client relationships by identifying needs and delivering tailored solutions.
- Ability to foster or support a positive work culture and productive work environment.
- No unusual physical exertion is involved.
Nice To Haves
- Master’s degree or postgraduate equivalent; MBA or CFA preferred.
Responsibilities
- Lead the structuring, analysis, and approval of highly complex credit transactions, balancing risk with business needs.
- Monitor portfolio risk proactively and identify industry trends and economic factors that may affect credit quality.
- Serve as a strategic partner to relationship managers and senior leadership on credit negotiations and deal execution.
- Work with clients, legal counsel, and internal teams to structure and negotiate credit agreements.
- Mentor and train junior credit professionals in credit-risk best practices.
- Identify and raise opportunities to improve credit processes and procedures to senior leadership.
- Use independent judgment and discretion to make decisions regarding the assigned portfolio.
- Analyze and resolve problems related to the assigned portfolio.
- Perform special projects and other duties as required.
- Adhere to applicable regulatory and compliance policies, standards, laws, and regulations, and complete required compliance training.
Benefits
- Medical insurance
- Dental insurance
- Vision insurance
- Life insurance
- Disability insurance
- Comprehensive leave program
- Variable incentives, bonuses, commissions, or other awards may be included in total compensation.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
