Senior Commercial Portfolio Manager

Fifth Third Bank • Indianapolis, IN

18d • $96,500 - $207,500

About The Position

The Senior Commercial Portfolio Manager manages a commercial credit portfolio through comprehensive financial analysis, forward-looking risk assessment, and proactive monitoring of borrower performance. The role involves regular client interaction, ownership of portfolio risk outcomes, and accountability for following credit policy and regulatory guidelines. It focuses on identifying emerging credit issues and portfolio-level risks early.

As a senior member of the coverage team, the manager partners closely with Relationship Managers and Credit Risk throughout the deal lifecycle, including credit structuring, pricing, risk ratings, and due diligence. The role may include direct supervision of junior portfolio management team members and coaching Credit Analysts. It also carries responsibility for managing risk in accordance with the Bank’s risk appetite and supporting positive customer experiences.

The position is located in Indianapolis, Indiana. The stated annual base pay range is $96,500–$207,500. The role is eligible for incentive compensation based on company, line-of-business, and/or individual performance. Fifth Third describes its benefits programs as supporting employees’ physical, financial, emotional, and social well-being, but does not enumerate specific benefits in the posting.

Requirements

• Bachelor’s degree in Finance, Business Administration, or a related field.
• At least 8 years of experience in commercial banking, portfolio management, underwriting, or a related discipline.
• Subject matter expert-level understanding of accounting, credit analysis, portfolio management, structuring, underwriting, and legal documentation.
• Strong risk judgment and demonstrated ability to manage complex and higher-risk portfolios.
• Excellent interpersonal and communication skills, with the ability to collaborate effectively with business and risk partners.
• Ability to manage multiple priorities, complex transactions, and strategic initiatives while meeting deadlines.

Nice To Haves

• Experience providing guidance or coaching, or reviewing the work of junior staff, is preferred but not required.

Responsibilities

• Maintain an independent, current, and forward-looking view of each client's creditworthiness and communicate risk perspectives to business and risk partners.
• Conduct ongoing monitoring and periodic deal reviews; approve or recommend renewals, modifications, or exits as appropriate.
• Analyze historical financials and projections to support accurate risk ratings, identify emerging credit issues, and explain industry and company trends.
• Manage underwriting, approval, and documentation for transactions, including new money, renewals, extensions, amendments, waivers, and ancillary products.
• Review and recommend credit decisions, perform final risk rating analysis, interpret credit policy for business partners, and escalate non-standard or higher-risk requests.
• Ensure compliance with internal credit policies, regulatory guidelines, and documentation standards.
• Manage a larger and more complex portfolio that may include higher-risk, lead-bank, and high-touch client relationships.
• Collaborate with Relationship Managers and Credit Risk as an active member of the coverage team.
• Meet with prospects and clients as needed, lead diligence discussions for assigned relationships, and support escalated discussions alongside senior leadership.
• Provide guidance on deal structures, pricing, and risk mitigation strategies.
• Create and deliver portfolio performance reports and presentations for senior management, including risk insights and recommendations.
• Ensure accuracy and integrity of system records and electronic credit files in support of data governance and regulatory readiness.
• Participate in senior-level team meetings and provide input on portfolio themes, risk trends, and process improvements.
• Lead or participate in special projects and strategic initiatives to enhance portfolio management practices and systems.
• Review junior team members' work for accuracy and consistency and provide coaching and feedback to Credit Analysts.
• If supervising junior team members, direct their day-to-day activities, provide timely and constructive performance feedback, support employee development and succession planning, and recognize accomplishments.

Benefits

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

What This Job Offers

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