Senior Portfolio Officer

Responsibilities

• Manage a portfolio of criticized or distressed commercial leasing relationships from strategy development through resolution
• Develop and execute remediation, workout, restructuring, or exit strategies that reflect lessee performance, lease structure, collateral value, and contractual terms
• Serve as the primary point of contact for lessees and coordinate engagement with internal partners, legal counsel, asset management teams, and external stakeholders
• Evaluate ongoing lessee financial performance and its impact on lease economics, collateral recovery prospects, and credit risk exposure
• Prepare credit approval documents, justify recommended strategies, and present to senior leadership for decisioning
• Lead negotiations related to lease modifications, restructurings, asset disposition strategies, or enforcement actions
• Support asset quality forecasting and reporting efforts
• Ensure compliance with internal credit policies and applicable regulatory requirements
• Collaborate with LOB partners, legal teams, and external bank groups to drive resolution outcomes
• Coach and mentor junior associates on the team to help develop credit and corporate workout skills

• Minimum of 7+ years of experience in commercial credit, leasing, structured finance, credit restructuring, or related risk management experience.
• Demonstrated experience managing criticized or distressed leasing relationships
• Strong understanding of lease structures, collateral considerations, and credit risk implications
• Proven ability to apply sound judgment in ambiguous or judgment‑intensive credit situations
• Credit analysis and underwriting skills, including risk rating, structuring, and covenant assessment.
• Strong communication skills; ability to communicate vertically, horizontally, and externally

Demonstrates expertise in managing distressed commercial leasing relationships, executing credit restructuring strategies, and conducting thorough credit analysis. Strong ability to communicate effectively with various stakeholders and mentor junior associates in credit and corporate workout skills.