Senior Portfolio Manager – Middle Market

• Support the Middle Market line of business within the bank
• Own the underwriting process for all credit requests
• Work closely with Analysts, Associates, and Relationship Managers to determine and evaluate potential risks and identify cross-sell opportunities
• Lead deals from opportunity to close with little to no oversight
• Maximize portfolio performance and monitor portfolio quality against established criteria
• Recommend adjustments to existing credit facilities
• Provide efficient follow-up and spearhead processes for best-in-class customer service
• Serve as an internal consultant and liaison between Credit and the Line of Business
• Oversee credit-related responsibilities for Analysts and Associates, including financial statement spreading and validation of underwriting models
• Conduct risk rating assessments and periodic relationship reviews
• Partner with Relationship Managers on credit agreement review and negotiation
• Own credit approvals for new customers, modifications, renewals, increases, and risk assessments
• Identify key risks, issues, and potential mitigants for credit requests
• Identify policy exceptions
• Direct and manage portfolio reviews
• Validate covenant compliance and covenant management
• Own post-approval modifications to ensure accurate credit exposure reporting
• Manage clients, including day-to-day needs, contact meetings, and site visits; direct client contact is expected
• Manage client information in Salesforce
• Analyze macroeconomic conditions, industry trends, and changes in lending practices
• Own portfolio reporting and analytics, including grade migration, past dues, exceptions, and coming-due maturities
• Identify cross-sell opportunities
• Partner with the Special Assets Group on credit requests as needed
• Lead or support initiatives to improve delivery of credit solutions for clients and prospects

• Bachelor's degree in Finance, Accounting, Commercial Banking or equivalent/relevant program
• 8+ years' experience in Commercial or Corporate Banking with formal Credit training
• Exceptional writing, interpersonal and communication skills
• Extraordinary levels of motivation and initiative
• Effective team players who want to work in a fast-paced, collaborative environment and build working relationships across the organization
• Strong Microsoft Office skills including Outlook, Excel, and PowerPoint in order to produce reports, memos, and presentations
• Passion for financial services and delivering superior client experiences
• Proven leadership skills and community involvement

Demonstrates expertise in underwriting processes, credit risk assessment, and portfolio management within the banking sector. Proven ability to lead credit approvals, manage client relationships, and deliver exceptional customer service while analyzing financial data and market trends.

• Underwriting Process Ownership
• Credit Risk Assessment
• Portfolio Management
• Financial Statement Analysis
• Client Relationship Management

• Credit Analysis
• Risk Rating Assessment
• Financial Statement Spreading
• Covenant Compliance Validation
• Portfolio Reporting
• Credit Agreement Negotiation
• Macroeconomic Analysis
• Credit Training
• Cross-Sell Identification
• Credit Facility Adjustment

• Exceptional Writing Skills
• Interpersonal Skills
• Communication Skills
• Motivation and Initiative
• Team Collaboration

• Commercial Banking
• Corporate Banking
• Credit Solutions
• Portfolio Quality Monitoring
• Client Experience

• Salesforce
• Microsoft Office
• Excel
• Power Point
• Outlook