Portfolio Manager- Asset Securitization

Fifth Third Bank • Charlotte, NC

3d • Onsite

About The Position

The Portfolio Manager I manages a portfolio of commercial loans and underwrites transactions, with a focus on asset-based finance and asset securitization. The role is accountable for ongoing financial statement review, proactive portfolio monitoring, and direct client interaction to understand borrower performance and risk. The Portfolio Manager partners with Relationship Managers, Senior Portfolio Managers, and Credit Risk throughout the deal lifecycle and prepares well-supported credit recommendations.

The position is responsible for managing risk within the Bank’s risk appetite, following policies and procedures, and supporting positive customer experiences. It may also involve providing feedback and development opportunities to credit analysts and other employees.

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 for client-facing interactions.
• Ability to partner with clients, Relationship Managers, and credit teams across deal stakeholders.
• Expertise in financial and risk analysis, including financial modeling.
• Demonstrated effective problem-solving skills.
• 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.
• Conduct portfolio monitoring and 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, and articulate industry trends.
• Manage underwriting, approval, and documentation for transactions, including new money, extensions, amendments, waivers, and ancillary products.
• Review and recommend credit decisions, perform final risk rating analysis, and interpret credit lending policy for business partners.
• Evaluate covenants and collateral, and prepare sound, well-supported credit recommendations.
• 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.
• When applicable, provide employees with timely, candid, and constructive performance feedback; support their development, career growth, and succession planning; and recognize accomplishments.

Benefits

• Comprehensive benefits programs supporting physical, financial, emotional, and social well-being.
• Eligible to participate in an incentive compensation plan based on company, line-of-business, and/or individual performance.

What This Job Offers

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