Sr. Portfolio Manager, VP

FirstBank•Nashville, TN

About The Position

The Senior Portfolio Manager demonstrates advanced proficiency in supporting Relationship Manager sales efforts through the growth, development, and effective management of loan portfolios. The role independently assesses risk by evaluating, designing, and overseeing portfolio construction, and drives profitability through advanced and/or broad financial and credit analysis. The Senior Portfolio Manager manages client relationships independently and in conjunction with the Relationship Manager. The position applies advanced credit knowledge, supports the RM team and market, and serves as a bridge between Sales and Credit. It reviews pre- and post-closing documents, ensures required credit documentation is submitted to the bank’s imaging system, and prepares and monitors reports for compliance and credit monitoring. The role analyzes complex credit requests and financial statements using standardized analysis tools, monitors loan commitments and balances, and prepares reports for board approval. The Senior Portfolio Manager partners with market leadership, Regional Presidents, and Regional Credit Officers to support portfolio growth and asset quality. Responsibilities also include monitoring past-due accounts and future maturities, analyzing financial metrics for commercial loan risk ratings, and maintaining current knowledge of industry trends and standards. The role may lead and develop other portfolio managers, represent the PM and/or RM teams in meetings, and act as a secondary point of contact for commercial clients. It is expected to model distinctive customer service and follow applicable banking laws, regulations, internal controls, procedures, risk-management policies, and security protocols.

Requirements

Experience in banking portfolio management is required.
Extensive knowledge of various loan structures and the ability to apply that knowledge when formulating sound credit recommendations.
Strong verbal and written communication skills in one-on-one and team environments.
Ability to identify strengths and weaknesses of individual requests and recommend ways to address and mitigate perceived risks.
Ability to allocate time effectively and independently prioritize timelines.
Strong organizational and time-management skills.
Ability to demonstrate the highest level of ethical behavior and confidentiality and maintain confidentiality of sensitive information.
Ability to understand and comply with bank policy and applicable laws and regulations, including completing compliance training, adhering to internal procedures and controls, and reporting known violations or suspicious customer and/or account activity.

Nice To Haves

Bachelor’s degree in finance or a similar field preferred.

Responsibilities

Apply advanced credit knowledge and serve as a resource for the Relationship Manager team and the broader market.
Use negotiation skills with a strong focus on the sales process, bridging Sales and Credit.
Review pre- and post-closing documents, including submitting prerequisite and recurring credit source documentation to the bank’s imaging system.
Prepare, review, and monitor reports to ensure compliance with FirstBank guidelines and credit-monitoring requirements.
Analyze complex credit requests and perform financial statement analysis using the bank’s standardized analysis tools.
Prepare, review, and monitor reports on loan commitments and outstanding balances by customer, loan type, property type, location, size, and other categories; prepare reports for board approval.
Partner with market leadership, Regional Presidents, and Regional Credit Officers to support Relationship Managers, client portfolio growth, and strong asset quality.
Monitor past-due information and future maturities and alert Relationship Managers as needed.
Analyze key financial metrics for commercial loan risk-rating matrices to ensure accurate stratification of the bank’s commercial loan grading portfolio.
Perform research to maintain current knowledge of industry trends and changes and help ensure the PM team remains compliant with FirstBank and industry standards.
May lead others and develop the portfolio management skillset of the PM team.
Attend internal and client meetings independently, representing the PM and/or RM teams as needed.
Function as part of the RM team and serve as a capable secondary point of contact for commercial clients.
Model consistent, distinctive service to customers when delivering the FirstBank service experience.
Follow safe and sound banking procedures, applicable laws and regulations, internal controls, operational procedures, risk-management policies, and security protocols.
Independently analyze credit requests and provide effective challenge in loan approval and grading.
Ensure source documentation and credit analysis are accurate and supported.
Maintain regular and reliable attendance.
Perform other duties as assigned.
Understand and comply with bank policies and applicable laws and regulations; complete compliance training, follow internal procedures and controls, and report known violations or suspicious customer or account activity.