Portfolio Manager - Middle Markets C+I

IDBNY•Aventura, FL

1d•Hybrid

About The Position

The Portfolio Manager (PM) is responsible for independent credit risk management and disciplined execution across the credit portfolio. This role oversees reviews, renewals, modifications, and ongoing portfolio monitoring, partnering closely with Relationship Managers and credit stakeholders to ensure portfolio quality, policy adherence, and proactive identification and management of credit risk.

Requirements

Strong credit judgment and risk acumen, with the ability to proactively identify emerging risk
Demonstrated portfolio-level thinking and credit risk management discipline
Proven end-to-end ownership and execution discipline across reviews, renewals, and modifications
Advanced credit underwriting and financial analysis skills, including cash flow modeling and covenant analysis
Effective stakeholder and borrower engagement skills with the ability to communicate complex credit concepts clearly

Responsibilities

Quarterback credit reviews by managing stakeholders to meet policy, governance, and timing requirements
Apply risk-based criteria to qualify accounts, determine appropriate review scope, and assess eligibility for fast-track processes
Perform credit underwriting and analysis, including cash flow analysis, collateral assessment, covenant testing, and evaluation of borrower performance trends
Engage with borrowers as needed to understand business performance, risk drivers, and potential credit deterioration
Lead the renewal process, ensuring timely execution through proactive portfolio and pipeline planning with line-of-business leadership
Develop proposed renewal structures, including pricing and term sheets, and perform detailed financial analysis and amortization modeling
Prepare clear and comprehensive credit memoranda to support renewals, modifications, and approval decisions
Assess and underwrite credit modifications by evaluating materiality, credit impact, and appropriate risk mitigation
Monitor ongoing credit performance by testing covenant compliance, maintaining and updating borrower risk ratings, and resolving exceptions
Analyze borrowing base and collateral reporting to assess implications for credit exposure and overall risk profile
Provide credit inputs and support for internal and external audits, examinations, and governance reviews