Senior Portfolio Manager

Fifth Third Bank • Charlotte, NC

6d • $96,500 - $207,500 • Onsite

About The Position

The Senior Portfolio Manager manages a commercial credit portfolio through comprehensive financial analysis, forward-looking risk assessment, and proactive monitoring of borrower performance. The role includes regular client interaction, accountability for portfolio risk outcomes, and adherence to credit policy and regulatory guidelines, with an emphasis on early identification of emerging credit issues and portfolio-level risks.

As a senior member of the coverage team, the Senior Portfolio Manager partners with Relationship Managers and Credit Risk throughout the deal lifecycle, including credit structuring, pricing, risk ratings, and due diligence. The position may include direct supervision of junior portfolio management team members, along with coaching and review of junior staff work. The role is based in Charlotte, North Carolina.

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, higher-risk portfolios.
• Excellent interpersonal and communication skills and 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.

Responsibilities

• Maintain an independent, current, and forward-looking view of each client’s creditworthiness and communicate risk perspectives to business and risk partners.
• Monitor portfolios and conduct periodic deal reviews; approve or recommend renewals, modifications, or exits as appropriate.
• Analyze historical financial statements and projections to support accurate risk ratings, identify emerging credit issues, and articulate 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 with senior leadership.
• Advise 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 to discussions of 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 employees, direct day-to-day activities, provide timely and constructive performance feedback, develop employees and succession strength, and recognize accomplishments.

Benefits

• Comprehensive benefits 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