Senior Portfolio Manager

Fifth Third Bank • Boston, MA

2d • $96,500 - $207,500

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, ownership of portfolio risk outcomes, and accountability for adherence to 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 position partners closely with Relationship Managers and Credit Risk throughout the deal lifecycle, including credit structuring, pricing, risk ratings, and due diligence.

The role is accountable for managing risk in accordance with the Bank’s risk appetite and policies, while supporting a positive experience for customers and colleagues. Responsibilities may include directly supervising junior portfolio management team members, providing performance feedback and coaching, and supporting employee development and succession planning. The position 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-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, including 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; 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 and identify emerging credit issues, industry trends, 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, potentially involving higher-risk, lead-bank, and high-touch client relationships.
• Work as an active member of the coverage team in collaboration with Relationship Managers and Credit Risk.
• 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.
• 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 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.
• As applicable, supervise and direct junior portfolio management team members’ day-to-day activities; provide timely, candid, and constructive performance feedback; support employee development, career growth, bench strength, and succession planning; and recognize employee accomplishments.

Benefits

• Comprehensive benefits programs supporting physical, financial, emotional, and social well-being.
• Eligible 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