Sr. Portfolio Manager

FirstBank•Nashville, TN

13d

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, helping ensure positive performance. 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 role applies advanced credit knowledge, supports Relationship Managers and market leadership, analyzes complex credit requests, monitors portfolio performance and compliance, and provides independent analysis and effective challenge in loan approval and grading. The position may lead others and help develop the skills of the Portfolio Manager team. It also represents the Portfolio Manager and/or Relationship Manager teams in internal and client meetings and serves as a capable secondary point of contact for commercial clients.

Requirements

Experience in banking portfolio management is required.
Extensive knowledge of various loan structures and the ability to apply that knowledge in developing sound credit recommendations.
Strong verbal and written communication skills, both one-on-one and in 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 to protect sensitive information.
Understand and comply with bank policy and applicable laws and regulations; complete compliance training, follow internal procedures and controls, report known violations, and report 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 market.
Use negotiation skills and support the sales process, bridging Sales and Credit.
Review pre- and post-closing documents, including submission of 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 analyzing loan commitments and outstanding balances by customer, loan type, property type, location, and size; prepare reports for board approval.
Partner with market leadership, Regional Presidents, and Regional Credit Officers to support Relationship Managers, promote client portfolio growth, and maintain 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.
Demonstrate advanced understanding of financial spreads, modeling, and monitoring.
Research industry trends and changes to help ensure the Portfolio Manager team remains compliant with FirstBank and industry standards.
May lead others and use advanced portfolio management skills to develop the Portfolio Manager team’s skillset.
Attend internal and client meetings independently, representing the Portfolio Manager and/or Relationship Manager teams as needed.
Serve as part of the Relationship Manager team and as a 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, including applicable laws and regulations, internal controls, operational procedures, risk management policies, and security protocols.
Provide independent analysis of credit requests and effectively challenge loan approval and grading.
Ensure source documentation and credit analysis are accurate and supported.
Maintain regular and reliable attendance.
Perform other duties as assigned.