Senior Portfolio Manager -Atlanta, GA

FinTrust Connect•Atlanta, GA

5d•Onsite

About The Position

This role is ideal for an experienced commercial credit professional who has deep expertise underwriting middle market Commercial & Industrial clients, structuring complex cash flow-based credit facilities, and proactively managing portfolio risk while serving as a trusted partner to Relationship Managers. The Senior Portfolio Manager will manage the underwriting, approval, and ongoing portfolio management of Middle Market Commercial & Industrial lending relationships. This involves analyzing borrower financial performance, cash flow generation, liquidity, leverage, collateral, industry trends, and repayment capacity to support sound credit decisions. The role also includes structuring various credit solutions, evaluating borrowing base reports, recommending loan structures, preparing credit approval memoranda, monitoring portfolio performance, and partnering with Relationship Managers. Additionally, the Senior Portfolio Manager will participate in client meetings, coordinate with internal stakeholders, identify policy exceptions, and maintain direct communication with borrowers.

Requirements

Bachelor's degree in Finance, Accounting, Business, Economics, or a related field; equivalent experience considered
Minimum 5 years of commercial banking, commercial credit, or portfolio management experience supporting Middle Market C&I clients; 10+ years preferred
Strong experience underwriting cash flow-based and asset-based Commercial & Industrial lending transactions
Demonstrated knowledge of revolving lines of credit, working capital facilities, equipment financing, acquisition financing, and term loan structures
Experience analyzing company financial statements, global cash flow, borrowing base reporting, collateral, guarantor strength, and repayment capacity
Strong understanding of leverage, liquidity, debt service coverage, covenant compliance, and commercial risk rating methodologies
Experience preparing detailed credit approval memoranda and presenting recommendations to credit leadership
Working knowledge of loan documentation, financial covenants, collateral perfection, and ongoing reporting requirements
Ability to identify emerging portfolio risks, industry trends, policy exceptions, and deteriorating borrower performance
Excellent analytical, organizational, written, and verbal communication skills
Proficiency with Microsoft Office applications, including Excel, Word, Outlook, and PowerPoint

Responsibilities

Underwrite, structure, and manage a portfolio of Middle Market C&I relationships.
Partner with Relationship Managers to deliver customized credit solutions.
Monitor portfolio performance and identify emerging risks.
Support new business development.
Analyze borrower financial performance, cash flow generation, liquidity, leverage, collateral, industry trends, and repayment capacity.
Structure revolving lines of credit, working capital facilities, equipment loans, term debt, acquisition financing, and other C&I credit solutions.
Evaluate borrowing base reports, accounts receivable, inventory, collateral coverage, and guarantor support.
Recommend appropriate loan structures, advance rates, covenants, pricing, amortization, and risk ratings.
Prepare comprehensive credit approval memoranda, annual reviews, renewals, amendments, and commitment documentation.
Monitor portfolio performance for signs of financial deterioration, covenant breaches, industry-specific risks, and emerging credit concerns.
Evaluate new opportunities and retain existing relationships.
Participate in client meetings to discuss financial performance, due diligence requirements, transaction structures, and ongoing credit needs.
Coordinate with Credit Administration, Loan Operations, Legal, and other internal stakeholders.
Identify policy exceptions and communicate associated risks and mitigating factors.
Maintain direct communication with borrowers during underwriting, portfolio reviews, renewals, and ongoing servicing activities.