Portfolio Manager

Fidelity Bank•Atlanta, GA

About The Position

The Portfolio Manager manages and oversees a portfolio of commercial loans, maintaining portfolio quality and profitability, assessing risk, and ensuring compliance with regulatory requirements. The role includes monitoring loan performance, reviewing borrower creditworthiness, managing exceptions and maturities, supporting underwriting and construction reporting, maintaining client relationships, and producing accurate portfolio documentation and reports. The Portfolio Manager also collaborates with lending and credit teams and supports the development of junior team members.

Requirements

Bachelor’s degree in finance, Business Administration, or Accounting, with 5 years of commercial lending, credit analysis, or loan portfolio experience, or an equivalent combination of education and experience.
Strong understanding of financial statements, cash flow analysis, and credit metrics.
Knowledge of commercial lending regulations and banking laws.
Excellent verbal and written communication skills for interacting with clients and internal partners.
Experience in risk assessment, mitigation strategies, and problem loan resolution.
Knowledge of loan management software and financial analysis tools.
Strong attention to detail in loan documentation, risk assessments, and reporting.
Ability to resolve complex issues involving problem loans or deteriorating credit quality.
Ability to make informed decisions about loan structures, modifications, and risk management.
Strong customer service skills to foster and maintain client relationships.

Nice To Haves

Master’s degree or MBA preferred.

Responsibilities

Oversee a portfolio of commercial loans, monitor timely payments and loan performance, address delinquent accounts, and identify potential risks or deteriorating credit quality.
Document plan-to-payment discussions in Sigma reporting.
Analyze financial statements and conduct credit reviews of existing borrowers; recommend loan restructuring or modifications when needed.
Manage the exception process for the assigned portfolio, review outstanding exceptions weekly, ensure timely resolution and quality notes, and prepare weekly exception reports for regional management.
Monitor exceptions for loan-processing errors that may cause unnecessary post-closing exceptions.
Manage the maturing loan process, including 30/45/60/90-day tracking guidelines, renewal progress, and note updates in reports; conduct bi-weekly maturity check-ins and maintain Sigma notes for future loans 90 days or less from maturity.
Review maturing loans weekly, alert management to approaching or past maturities, and manage weekly reports to lending staff and bi-weekly reports to regional management.
Maintain relationships with commercial clients, respond to loan-related inquiries, understand client financial needs, and provide tailored solutions.
Assist with underwriting by analyzing credit risks for new loans, reviewing applications, and collaborating with Business Development Officers and Credit Officers on borrower creditworthiness and loan structure.
Oversee construction reporting to ensure notes reflect project progress and assist with construction inspections as appropriate.
Prepare regular reports on portfolio performance, risk assessments, and loan status; maintain accurate loan documentation and assist with internal and external audits or reviews.
Ensure portfolio compliance with applicable regulatory standards, including Basel III, Dodd-Frank, and other industry-specific regulations; stay current on relevant legal and regulatory changes.
Collaborate with Credit Analysts, Loan Officers, and Senior Management on portfolio management.
Support and train junior team members as needed.