Senior Commercial Portfolio Manager

Fifth Third Bank • Indianapolis, IN

13d • $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 compliance with credit policy and regulatory guidelines, with an emphasis on identifying emerging credit issues and portfolio-level risks early.

As a senior member of the coverage team, the Portfolio Manager partners with Relationship Managers and Credit Risk throughout the deal lifecycle, including credit structuring, pricing, risk ratings, and due diligence. The role manages larger and more complex portfolios, which may include higher-risk, lead-bank, and high-touch client relationships. The position may also supervise and develop junior portfolio management team members, review their work, and provide coaching and feedback.

The role is accountable for managing risk within the Bank’s risk appetite and for contributing to a positive experience for customers and colleagues. Base pay is listed as $96,500–$207,500 annually, with eligibility to participate in an incentive compensation plan. The position is located in Indianapolis, Indiana.

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 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 and 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.

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 new-money transactions, 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, 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.
• Prepare and deliver portfolio performance reports and presentations for senior management, including risk insights and recommendations.
• Maintain accurate system records and electronic credit files to support data governance and regulatory readiness.
• Participate in senior-level team meetings and contribute input on portfolio themes, risk trends, and process improvements.
• Lead or participate in special projects and strategic initiatives to improve portfolio management practices and systems.
• Review junior team members’ work for accuracy and consistency and provide coaching and feedback to Credit Analysts.
• If supervising employees, direct day-to-day activities, provide timely and constructive performance feedback, support employee development and succession planning, and recognize accomplishments.

Benefits

• Comprehensive benefits programs supporting 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