Commercial Senior Portfolio Manager

GENERAL FUNCTION: 

The Senior Portfolio Manager manages a 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 a focus on early identification of emerging credit issues and portfolio level risks. As a senior member of the coverage team, the Senior Portfolio Manager partners closely with Relationship Managers and Credit Risk throughout the deal lifecycle, including credit structuring, pricing, risk ratings, and due diligence efforts. 

Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank's risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types. 

ESSENTIAL DUTIES AND RESPONSIBILITIES: 

• Maintain an independent, current and forward-looking view of the creditworthiness of each client and communicate risk perspectives clearly to business and risk partners 

• Perform ongoing monitoring and periodic deal reviews; approve or recommend renewal, modification or exit decisions as appropriate 

• Analyze historical financials and projections to ensure accurate risk ratings, early identification of emerging credit issues, and clear articulation of industry and company trends 

• Manage the underwriting, approval and documentation process for transactions, including new money, renewals, extensions, amendments, waivers, and ancillary products (e.g., treasury management, FX, interest rate derivatives and commodity exposure) 

• Review and recommend credit decisions, perform final risk rating analysis, provide interpretation of credit policy to business partners, and escalate non-standard or higher-risk requests as appropriate. 

• Ensure compliance with internal credit policies, regulatory guidelines and documentation standards 

• Manage a larger, more complex portfolio that may include higher‑risk, lead bank and high touch client relationships 

• Serve as an active member of the coverage team in collaboration with Relationship Managers and Credit Risk 

• Meet directly with prospects and clients as needed, leading diligence discussions for assigned relationships and supporting escalated discussions alongside senior leadership 

• Provide guidance on deal structures, pricing and risk mitigation strategies 

• Create 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, supporting data governance and regulatory readiness 

• Participate in senior level team meetings, providing input on portfolio themes, risk trends and process improvements 

• Lead or participate in special projects and strategic initiatives that enhance portfolio management practices and systems 

• Review work product prepared by junior team members to ensure accuracy and consistency and provide coaching and feedback to Credit Analysts  

SUPERVISORY RESPONSIBILITIES: 

May include the direct supervision and direction of the day-to-day activities of junior portfolio management team members. Responsible for providing employees with timely, candid, and constructive performance feedback. Develop employees to their fullest potential and provide challenging opportunities that enhance employee career growth. Develop the appropriate talent pool to ensure adequate bench strength and succession planning. Recognize and reward employees for accomplishments.  

MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED: 

• Bachelor’s degree in Finance, Business Administration, or a related field 

• Minimum of 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 with demonstrated ability to manage complex and higher risk portfolios 

• Experience providing guidance, coaching, or review of junior staff work is preferred but not required 

• Excellent interpersonal and communication skills with the ability to collaborate effectively with business and risk partners 

• Ability to manage multiple priorities, complex transactions, and strategic initiatives while meeting deadlines