Commercial Senior Portfolio Manager

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The Commercial Senior Portfolio Manager is a key member of the coverage team, managing transactions and business portfolio tasks. PMs are expected to be intimately involved in the deal process, making recommendations on appropriate credit structures, pricing, etc. PMs are directly accountable for managing a portfolio of accounts through their review of updated financial statements, proactive monitoring, and interaction with the Credit Analyst.

Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined.

• Accountable for managing a portfolio of accounts.
• Review and recommend credit decisions.
• Partner with the Relationship Manager, forming the coverage team to meet with clients, participate in business development calls, assess prospective clients’ viability for credit, define borrowers and guarantors, deal structure, credit terms and conditions, financial covenants, and collateral value.
• Generate commitment letters.
• Provide business partners with credit lending policy interpretation.
• Perform final risk rating analysis.
• Capture and document credit decisions, conditions, and modifications.
• Collaborate with the Credit Analyst to perform portfolio management duties such as: establish and maintain Investor Group on lender portal, perform monitoring actions, conduct periodic deal reviews, and execute decisions to renew or modify deals.
• Communicate directly with clients regarding credit events and actions as needed.
• Work independently to pitch the most complex deal structures.
• Focus on continuous learning to keep up with ever‑changing market dynamics.
• Serve as a subject‑matter expert and mentor to junior PMs and Credit Analysts.
• Leverage expertise to provide partners insights into the Bank’s different lines of business and related economics.

Provide employees timely, candid and constructive performance feedback, develop employees to their fullest potential, and provide challenging opportunities that enhance career growth.

• Bachelor’s degree in Business (e.g., Business Administration, Finance, or Accounting).
• At least 8 years of credit analysis and/or loan review experience in Commercial Banking.
• Highly proficient analytical, critical thinking, and communication skills.
• Professional presence (client‑facing).
• Experience managing an advanced commercial client portfolio with significant complexity.
• Ability to partner with all deal stakeholders including clients, relationship managers, and credit teams.
• Expertise in financial and risk analysis, including financial modeling.
• Demonstrated expertise in effective problem solving.
• Proficient with technology and ability to learn new applications.
• Normal office environment with little exposure to dust, noise, temperature variations, and the like.
• Some travel required.

The base salary for this position is reflective of the range of salary levels for all roles within this pay grade across the U.S. Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education and geographic location. In addition to the base salary, this role is eligible to participate in an incentive compensation plan, with any such payment based upon company, line of business and/or individual performance.

Our extensive benefits programs support the individual needs of employees and their families, encompassing physical, financial, emotional and social well‑being.

LOCATION – Atlanta, Georgia 30326

Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.