Senior Portfolio Manager
About The Position
The Senior Portfolio Manager is responsible for ongoing monitoring, independent risk assessment, and oversight of the Bank’s commercial lending portfolio, with a primary focus on large and complex borrowing relationships, criticized credits, and emerging risk trends. The role leads quarterly borrower reviews; analyzes financial performance, global cash flow, collateral, and covenant compliance; validates risk ratings; develops risk mitigation plans; and provides concise executive-level reporting to support early risk detection and proactive portfolio management. As the senior level of the Portfolio Manager role, this position owns the Bank’s largest and most complex monitored relationships, exercises independent challenge authority over risk assessments and ratings, and guides and reviews the work of Portfolio Analysts.
Requirements
- At least 3 years of experience in commercial underwriting, credit risk, portfolio management, or related financial analysis, including demonstrated experience with large, complex, criticized, or troubled credits.
- Bachelor’s degree in finance, accounting, business, or a related field, or equivalent experience.
- Advanced analytical, decision-making, and independent judgment skills, including the ability to assess complex relationships, challenge assumptions, and develop defensible credit conclusions.
- Proficiency in financial spreading, global cash flow analysis, and advanced Excel.
- Experience using credit and portfolio monitoring systems.
- Working knowledge of commercial credit policy, risk rating guidance, and applicable regulatory expectations.
- Excellent written and verbal communication skills, including the ability to present concise, well-supported credit assessments, recommendations, and emerging risk concerns to senior management.
- Demonstrated ability to use and contribute to automation and AI-enabled tools that improve financial analysis, reporting, and workflow efficiency.
Nice To Haves
- 5 or more years of experience in commercial underwriting, credit risk, portfolio management, or related financial analysis.
Responsibilities
- Lead quarterly reviews of designated commercial lending relationships, including loans exceeding exposure thresholds defined in Bank credit policy and other large, complex, or higher-risk credits.
- Analyze borrower financial statements, global cash flow, collateral performance, guarantor support, portfolio analytics findings, and covenant compliance, and document defensible conclusions.
- Independently assess and validate risk ratings, identify credit migration and early warning indicators, and recommend rating changes when warranted.
- Review borrower, industry, market, legal, and public information to identify potential credit concerns.
- Develop borrower-level monitoring recommendations, corrective action plans, escalation strategies, and measurable follow-up requirements.
- Monitor covenant compliance, delinquency trends, financial reporting exceptions, risk rating changes, nonaccrual activity, criticized assets, and other portfolio risk indicators.
- Manage action plans for criticized and monitored relationships, coordinating responsibilities, target dates, and escalation of unresolved issues.
- Track completion of required borrower reporting and monitoring activities.
- Support OREO, workout, special asset, and troubled-loan monitoring in coordination with Special Assets, including analysis of risk mitigation and resolution strategies.
- Prepare and present quarterly relationship review results, portfolio risk presentations, and concise executive-level reporting to senior management.
- Provide independent challenge when analysis or conclusions are not sufficiently supported, and escalate material issues to senior management.
- Identify and synthesize portfolio trends, concentration risks, recurring exceptions, and emerging credit concerns to support forward-looking risk management.
- Contribute subject-matter expertise in Portfolio Management and risk governance meetings.
- Partner with Commercial Lending, Credit Risk, Credit Administration, Special Assets, Legal, and Finance to coordinate reviews and support timely risk mitigation and resolution.
- Contribute to the design and adoption of reporting tools, automation, and AI-enabled monitoring solutions.
- Recommend and support enhancements to monitoring procedures, controls, credit standards, and risk governance practices.
- Guide and review the work of Portfolio Analysts.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
