Portfolio Manager

Fidelity Bank•Atlanta, GA

12h

About The Position

The Portfolio Manager manages and oversees a portfolio of commercial loans, maintaining portfolio quality and profitability, assessing risk, and ensuring regulatory compliance. The role monitors loan performance and delinquencies, evaluates borrower creditworthiness, manages exceptions and loan maturities, and supports underwriting and loan structuring. It also involves maintaining client relationships, tracking construction-loan progress, preparing portfolio reports, maintaining loan documentation, assisting with audits, and supporting junior team members.

Requirements

Bachelor’s degree in finance, Business Administration, or Accounting, with five 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 related to 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.

Responsibilities

Oversee a portfolio of commercial loans, monitor loan performance and payment status, address delinquencies, and document plan-to-payment discussions in Sigma reporting.
Analyze borrower financial statements and conduct credit reviews; recommend loan restructurings or modifications when appropriate.
Manage the portfolio exception process, review outstanding exceptions weekly, maintain quality notes, and provide weekly reports to regional management.
Monitor exceptions for loan-processing errors that may cause unnecessary post-closing exceptions.
Manage the maturing-loan process, track renewals according to 30/45/60/90-day guidelines, and maintain current notes in Sigma reporting for loans maturing within 90 days.
Review maturing loans weekly, alert management to approaching or past maturities, and distribute weekly and bi-weekly maturity reports to lending staff and regional management.
Maintain relationships with commercial clients, respond to loan-related inquiries, understand client needs, and provide tailored solutions.
Assist with underwriting by analyzing credit risk, reviewing applications, and collaborating with Business Development Officers and Credit Officers on borrower creditworthiness and loan structures.
Oversee construction-loan reporting and ensure notes reflect project progress; assist with construction inspections as appropriate.
Prepare reports on portfolio performance, risk assessments, and loan status; maintain accurate loan documentation and assist with internal and external audits.
Ensure portfolio compliance with applicable regulatory standards, including Basel III and Dodd-Frank, and 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 where necessary.