Portfolio Manager- Asset Securitization

Fifth Third Bank • Charlotte, NC

4d

About The Position

The Portfolio Manager I manages a portfolio of commercial loans and underwrites transactions, with responsibility for ongoing financial statement review, proactive portfolio monitoring, and direct client interaction to understand borrower performance and risk. The role partners closely with Relationship Managers, Senior Portfolio Managers, and Credit Risk throughout the deal lifecycle. Work includes covenant structuring and analysis, collateral evaluation, risk rating assessment, and preparing well-supported credit recommendations.

The position is accountable for managing risk within the Bank’s risk appetite, following policies and procedures, raising concerns, and supporting positive customer and colleague experiences. It maintains an independent, current and forward-looking view of client creditworthiness; monitors and reviews deals; and manages renewals, modifications, underwriting, approvals, and documentation. The role may also provide performance feedback and development opportunities to employees, typically credit analysts, and participate in training junior team members.

The position is based in Charlotte, North Carolina. Fifth Third describes comprehensive benefits and differentiated compensation, and indicates that the role is eligible for incentive compensation based on company, line-of-business, and/or individual performance.

Requirements

• Bachelor’s degree in Finance, Business Administration, or a related field.
• At least 3 years of portfolio management experience covering asset-based finance or asset securitization.
• Strong analytical and critical-thinking skills.
• Strong verbal and written communication skills.
• Professional presence in client-facing situations.
• Ability to partner with clients, Relationship Managers, credit teams, and other deal stakeholders.
• Expertise in financial and risk analysis, including financial modeling.
• Demonstrated effective problem-solving expertise.
• Proficiency with technology and ability to learn new applications.
• Ability to manage multiple projects and meet deadlines.

Responsibilities

• Maintain an independent, current, and forward-looking view of each client’s creditworthiness and communicate it to business and risk partners.
• Perform monitoring actions, conduct periodic deal reviews, and execute decisions to renew or modify deals.
• Work with Credit Risk, Senior Portfolio Managers, and Relationship Managers to actively manage the Bank’s exposure to portfolio clients.
• Analyze historical financial statements and projections to support accurate risk ratings, identify emerging credit problems early, and articulate industry trends.
• Manage underwriting, approval, and documentation for transactions, including new money, loan extensions, amendments, waivers, and ancillary products.
• Review and recommend credit decisions, perform final risk rating analysis, and interpret credit lending policy for business partners.
• Ensure compliance with internal policies and regulatory guidelines.
• Train junior team members.
• Maintain accurate and integral system records and electronic files in support of compliance and data governance initiatives.
• Where applicable, provide employees—typically credit analysts—with timely, candid, and constructive performance feedback; develop employees and succession strength; provide career-growth opportunities; and recognize and reward accomplishments.
• Identify, assess, manage, monitor, and report risks while operating within the Bank’s risk appetite.

Benefits

• Comprehensive benefits programs supporting physical, financial, emotional, and social well-being.
• Incentive compensation eligibility, with payment based on company, line-of-business, and/or individual performance.

What This Job Offers

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