Senior Commercial Portfolio Manager

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The Senior Portfolio Manager manages a portfolio through comprehensive financial analysis,forward-looking risk assessment, and proactive monitoring of borrower performance. The role includes regular client interaction, ownership of portfolio risk outcomes, and accountability for adherence to credit policy and regulatory guidelines, with a focus on early identification of emerging credit issues and portfolio level risks.

As a senior member of the coverage team, the Senior Portfolio Manager partners closely with Relationship Managers and Credit Risk throughout the deal lifecycle,including credit structuring, pricing, risk ratings, and due diligence efforts.

Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable foralways doing the right thing for customers and colleagues and ensures that actions and behaviors drive a positive customer experience. Whileoperatingwithin the Bank's risk appetite,achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.

• Maintain an independent,currentandforward-looking view of the creditworthiness of each client and communicate risk perspectives clearly to business and risk partners

• Perform ongoing monitoring and periodic deal reviews; approve or recommend renewal, modification or exit decisions as appropriate

• Analyze historical financials and projections to ensureaccuraterisk ratings, early identification of emerging credit issues, and clear articulation of industry and company trends

• Manage the underwriting,approval and documentation process for transactions, including new money, renewals, extensions, amendments, waivers, and ancillary products (e.g., treasury management, FX, interest ratederivativesand commodity exposure)

• Review and recommend credit decisions,perform final risk rating analysis,provide interpretation of credit policy to business partners,and escalate non-stand ardor higher-risk requests as appropriate.

• Ensure compliance with internal credit policies, regulatoryguidelinesand documentation standards

• Manage a larger, more complex portfolio that may include higher-risk, leadbankandhigh touch client relationships

• Serve as an active member of the coverage team in collaboration with Relationship Managers and Credit Risk

• Meet directly with prospects and clients as needed, leading diligence discussions for assigned relationships and supporting escalated discussions alongside senior leadership

• Provide guidance on deal structures,pricing and risk mitigation strategies

• Create and deliver portfolio performance reports and presentations for senior management, including risk insights and recommendations

• Ensure accuracy and integrity of system records and electronic credit files, supporting data governance and regulatory readiness

• Participate insenior levelteam meetings, providing input on portfolio themes, risktrendsand process improvements

• Lead orparticipatein special projects and strategic initiatives that enhance portfolio management practices and systems

• Review workproductprepared by junior team members to ensure accuracyandconsistencyand provide coaching and feedback to Credit Analysts

May include the direct supervision and direction of the day-to-day activities of junior portfolio management team members.

Responsible for providing employees with timely, candid, and constructive performance feedback. Develop employees to their fullest potential andprovidechallenging opportunities that enhance employee career growth. Develop the appropriate talent pool to ensure adequate bench strength and succession planning. Recognize and reward employees for accomplishments.

• Bachelor's degree in Finance, Business Administration, or a related field

• Minimum of8years of experience in commercial banking, portfolio management, underwriting or a related discipline

• Subject matter expert level understanding of accounting, credit analysis, portfolio management, structuring, underwriting, and legal documentation

• Strong risk judgment with demonstratedability to manage complex andhigher risk portfolios

• Experience providing guidance, coaching, or review of junior staff work is preferred but…