CRE Underwriting Portfolio Manager Sr
About The Position
The Senior CRE Credit Products Portfolio Manager is a strategic advisor responsible for structuring, negotiating, and managing highly complex commercial credit relationships. The role influences credit strategy by providing market insights, identifying risks proactively, and developing deal-structuring solutions. It supports long-term portfolio health and the bank’s growth objectives through extensive credit analysis and portfolio-management experience. The position also mentors junior credit professionals and helps shape underwriting and risk-management best practices. The role uses independent judgment and discretion to make decisions about its assigned portfolio and to analyze and resolve portfolio-related problems. It also completes special projects and other duties as required, and adheres to applicable regulatory and compliance policies, standards, laws, and regulations.
Requirements
- Undergraduate degree (four years or equivalent) in Finance, Accounting, Economics, or a related field, or 12+ years of equivalent experience.
- 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 impact on credit risk.
- Proven ability to manage large portfolios and advise senior executives.
- Exceptional communication and stakeholder-management skills.
- As relevant to the supported line of business, proficiency in legal documentation such as credit agreements, including the 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 best-practice implementation.
- Deep 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 support a positive work culture and productive work environment.
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 affect credit quality.
- Partner with 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 about the assigned portfolio.
- Analyze and resolve problems related to the assigned portfolio.
- Perform special projects and additional duties and responsibilities as required.
- Adhere to regulatory and compliance policies and standards, complete required compliance training, and maintain compliance with applicable federal, state, and local laws and regulations.
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 as outlined in the offer of employment.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
