Portfolio Manager II - Middle Market Corporate Banking

Citizens • Coral Gables, FL

4d

About The Position

The Middle Market Corporate Banking Portfolio Manager II is responsible for credit underwriting, monitoring, and portfolio management for new and existing commercial banking relationships. The role supports strong credit quality, efficient internal processes, customer retention and growth, and prudent credit and risk administration, with emphasis on financial analysis and modeling, risk evaluation, portfolio maintenance, regulatory compliance, and customer support.

The position manages a portfolio of the most complex credits with limited supervision and periodic oversight. It serves as a credit expert within the first line of defense, working with relationship managers, colleagues, team leaders, senior managers, and clients. The role requires regular direct client interaction, expert knowledge of client businesses and credit structures, and the ability to anticipate portfolio issues, resolve complex credit matters, and share relevant industry and market insights.

The position is scheduled for 40 hours per week, Monday through Friday, with a minimum of four days per week in the office.

Requirements

• At least 8 years of underwriting and portfolio management experience with a regional commercial bank or larger institution.
• Middle Market or Mid-Corporate experience in C&I.
• Bachelor's degree.
• Formal credit training.
• Minimum of four days per week in the office.

Nice To Haves

• Financial modeling experience, preferably in Excel, with advanced user capability.
• Strong collaboration skills with internal partners and a client-centric focus.
• Expertise in credit underwriting and portfolio management, including a track record managing complex commercial banking relationships.
• Advanced proficiency in financial analysis, credit modeling, and risk evaluation, with a deep understanding of regulatory compliance and credit policy adherence.
• Ability to independently manage high-complexity credit portfolios and demonstrate expert knowledge of client businesses and credit structures.
• Strong analytical and problem-solving skills, including the ability to anticipate portfolio issues and develop strategic solutions.
• Excellent communication and interpersonal skills, including the ability to collaborate across teams and work directly with clients to resolve complex credit matters.
• In-depth knowledge of industry trends and market dynamics, and a commitment to sharing insights and fostering team-wide learning.
• Experience structuring, underwriting, and documenting new credit opportunities, renewals, and modifications within a first line-of-defense framework.
• Ability to meet deadlines and manage competing priorities in a fast-paced, client-focused environment.

Responsibilities

• Manage a portfolio of the most complex credits with limited supervisory intervention.
• Demonstrate expert knowledge of portfolio clients and credits when interacting with peers, relationship managers, team leaders, and senior managers across departments and teams.
• Underwrite credit and administer credit and risk, including adherence to credit policies and requirements, financial analysis and modeling, risk evaluation, portfolio maintenance, and client support.
• Structure, underwrite, and document new business, renewals, and modifications as the credit expert within the first line of defense.
• Oversee assigned credits, anticipate portfolio problems, develop solutions, and manage competing demands and priorities.
• Meet deadlines and schedules associated with maintaining compliance with credit and risk policies.
• Provide client management support, maintain regular direct client interaction, and resolve complex credit monitoring and administration issues with clients.
• Stay current on industry and market information relevant to assigned markets and customers, and share insights with relationship managers and portfolio managers.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior