Portfolio Manager II bb

PORTFOLIO MANAGER II BB What is the opportunity?

The Portfolio Manager is part of the credit management team focused on the long‑term risk‑adjusted returns for the bank within the assigned business segment and/or geographic area(s). This individual manages a sub‑set of existing credits and is a key partner in the origination of new credits.

• Underwrite and portfolio manage Business Banking clients – typically privately held companies with annual revenues ranging up to $50 million across a wide range of industries and geographies.
• Formulate and recommend credit and banking solutions to clients to support working capital.
• Provide comprehensive credit recommendations and presentations to key risk partners related to prospect(s) and existing clients of the bank (including moderate to complex new credit structures, modifications, and extensions) based on a comprehensive review of the borrower(s) and guarantor(s)’ financials (which may include current and historical financial statements, tax returns, projections and/or cash flow proformas).
• Present credit recommendations within the bank’s risk appetite and framework and follow the bank’s policies, processes and procedures.
• Be responsive to clients’ credit needs with an elevated level of client service and credit acumen to address needs appropriately and timely.
• Oversee and manage its portfolio, including timely risk rating assessments, reporting covenants, covenant compliance, and the preparation of quarterly and annual reports.

• Mentor junior colleagues, foster a culture of continuous improvement and professional growth.
• Own and manage an assigned credit portfolio, ensuring alignment with organizational goals and risk management practices; underwrite all types of credit exposures, manage credit risk, and respond to prospective client inquiries.
• Analyze credit data, perform underwriting to assess creditworthiness and recommend appropriate structures to the Sales team and client; prepare underwriting memorandums and approval documents for presentation to Credit Risk.
• Monitor portfolio performance, including periodic reviews and covenant tracking.
• Analyze credit data to support underwriting and creditworthiness assessments, developing and presenting individual credit recommendations.
• Practice effective risk management, maintaining high standards of credit quality and origination in alignment with the bank’s credit risk appetite and regulatory requirements.
• Partner with Relationship Manager(s) to successfully manage credit account relationships; work closely with cross‑functional teams to ensure cohesive and effective credit operations to achieve the bank’s strategic initiatives; participate in ad‑hoc projects to support organizational priorities.
• Provide exceptional client service by maintaining professionalism and effectively interacting with clients to understand their needs and provide tailored credit solutions; participate in joint sales pitches with Relationship Manager(s).

• Bachelor’s Degree or equivalent in Finance, Business, or related field.
• Minimum 5 years of progressively increasing credit underwriting and portfolio management experience in relevant industry/industries.

• Intermediate experience in credit management and lending operations, with a strong understanding of risk management principles.
• Desire to build leadership and coaching skills, with the ability to train and develop talent.
• Strong communication and collaboration skills, with the ability to work effectively with senior leadership and cross‑functional teams.
• Intermediate analytical skills, with the ability to interpret complex data and make informed decisions.
• Industry‑specific knowledge and expertise.

Starting base salary: $44.28 - $75.42 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.

• Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date.
• Generous 401(k) company matching contribution.
• Career…