Senior Portfolio Manager

Job Description

• Underwriting and Credit Analysis:
• Perform in-depth credit analysis and risk assessment for new loan requests and portfolio reviews.
• Structure credit solutions that align with customer needs and the bank's risk appetite.
• Ensure adherence to the bank’s credit policies, underwriting standards, and regulatory requirements.
• Able to underwrite and obtain credit approval between 2-4 commercial loans each month.
• Portfolio Management:
• Oversee the performance of the assigned portfolio, including compliance with credit agreements and covenants.
• Monitor financial performance, market trends, and repayment behaviors of portfolio clients.
• Maintain detailed and accurate records of portfolio activities, communications, and risk assessments.
• Credit Quality Assurance:
• Identify, evaluate, and mitigate potential risks within the portfolio.
• Proactively manage relationships with clients showing signs of financial stress, developing mutually beneficial solutions.
• Manage non-performing assets (NPAs) by implementing effective remediation strategies.
• Customer Relationship Development:
• Build strong relationships with portfolio clients to understand their financial needs and goals.
• Identify opportunities to provide value-added products and services, such as treasury solutions, trade finance, and cash management.
• Collaborate with Relationship Managers and Product Specialists to deliver comprehensive financial solutions that drive client satisfaction and loyalty.
• Cross-functional Collaboration:
• Serve as a liaison between customers, Relationship Managers, and internal credit committees to ensure seamless communication and service delivery.
• Support business development efforts by identifying and cultivating opportunities within the portfolio.
• Mentor and provide guidance to junior team members on portfolio management best practices.
• Strategic Insights and Reporting:
• Analyze portfolio trends and provide actionable insights to leadership.
• Offer recommendations for portfolio growth, diversification, and risk mitigation.
• Stay informed on market developments and industry trends to anticipate client needs and risks.

• Bachelor’s degree in Business, Finance or related field or equivalent experience
• Minimum of 10 years of experience working in a Banking environment with emphasis on credit underwriting.
• Formal credit training is required.
• Ability to analyze financial and project statement, corporate and personal tax returns.
• Understanding of basic loan structure processes and regulations associated with lending
• Strong understanding of loan documentation criteria
• Excellent interpersonal and customer relations skills, verbal and written
• Proficiency with Microsoft Office Suite (Word, Excel, Powerpoint)
• Excellent interpersonal, customer relations and sales skills
• Ability to work well independently and in a fast-paced environment
• Travel within the local market may be necessary