Commercial Portfolio Manager II

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GENERAL FUNCTION:

The Portfolio Manager II   is responsible for   managing a portfolio of commercial loans   and underwriting transactions . This position is accountable for the ongoing review and analysis of financial statements   and   proactive portfolio   monitoring   to ensure a comprehensive understanding of borrower performance and risk profile. The Portfolio Manager II partners closely with Relationship Managers   and Credit   Risk   throughout the deal lifecycle.

Responsibilities include covenant structuring and analysis, collateral evaluation, risk rating assessment, and the preparation of sound, well-supported credit recommendations.
T he Portfolio Manager   I I   is expected to be anticipatory, forward-focused, independent, transparent, and collaborative in the identification, communication, and management of risk.

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 on the creditworthiness of each client and communicate this view to business and risk partners.

+ P erform monitoring actions; conduct periodic deal reviews; and execute decisions to renew or   modify   deals.

+ Work closely with Credit Risk and Relationship Managers to actively manage the bank's exposure to the clients in the portfolio.

+ Analyze historical financials and projections to ensure   accurate   risk ratings , early identification of emerging credit problems, and articulation of industry trends.

+ Manage   underwriting,   approval and documentation process for   transactions which may include new money,   loan extensions, amendments, waivers and ancillary products, including treasury management, FX, interest rate derivatives, and commodity exposure.

+ Review and recommend credit decisions; perform final risk rating analysis; provide business partners with credit lending policy interpretation.

+ Ensure compliance with internal policies and regulatory guidelines.

+ Actively involved in the recruiting,   training,   and mentoring of junior team members to enhance their skills and performance.

+ Meet with prospects / clients as needed.

+ Create and deliver comprehensive portfolio performance reports and presentations for senior management, offering strategic insights and high-level recommendations.

+ Ensure the highest standards of accuracy and integrity in system records and electronic files, supporting advanced compliance and data governance initiatives.

SUPERVISORY RESPONSIBILITY:

R ole may   be responsible for   providing   other   employees , typically credit analysts,   timely ,   candid   and   constructive performance feedback. Developing employees to their fullest potential and   provide   challenging opportunities that enhance employee career growth; developing the   appropriate talent   pool to ensure adequate bench strength and succession planning;
recognizing and rewarding employees for accomplishments.

MINIMUM KNOWLEDGE,   SKILLS   AND ABILITIES

REQUIRED:

+ Bachelor ' s degree in Finance , Business Administration, or   related   field.

+ Minimum of   6   years of experience in portfolio management , commercial banking,   or   related   discipline .

+ Strong understanding of accounting, credit analysis, portfolio management, structuring, underwriting, and legal documentation

+ Strong analytical skills and critical thinking skills.

+ Strong verbal and written communication skills .

+ Professional presence (client-facing).

+ Strong   interpersonal and communication skills with the ability to collaborate effectively with business and risk partners

+ Expertise   in financial and risk analysis, including financial modeling.

+ Demonstrated   expertise   in using effective problem solving.

+ Proficient   in   technology and   ability   to learn new applications.

+ Ability to manage multiple projects and meet deadlines .

Commercial Portfolio Manager II

At Fifth Third, we understand the importance of recognizing our employees for the role they play in improving the lives of our customers, communities and each other. Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day.

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…