Senior Commercial Portfolio Manager – CRE

• Maintain an independent, current and forward-looking view of client creditworthiness
• Perform ongoing monitoring and periodic deal reviews; approve or recommend renewal, modification or exit decisions
• Analyze historical financials and projections for risk ratings and emerging credit issues
• Manage underwriting, approval and documentation for new money, renewals, extensions, amendments, waivers and ancillary products
• Review and recommend credit decisions and perform final risk rating analysis
• Interpret credit policy and escape non-standard or higher-risk requests
• Ensure compliance with internal credit policies, regulatory guidelines and documentation standards
• Manage a larger, more complex portfolio, including higher-risk, lead bank and high-touch client relationships
• Collaborate with Relationship Managers and Credit Risk as an active coverage-team member
• Meet prospects and clients as needed and lead diligence discussions
• Provide guidance on deal structures, pricing and risk mitigation strategies
• Create and deliver portfolio performance reports and presentations for senior management
• Ensure accuracy of system records and electronic credit files
• Participate in senior-level team meetings and contribute to portfolio themes, risk trends and process improvements
• Lead or participate in special projects and strategic initiatives
• Review junior team members’ work product and provide coaching and feedback
• May directly supervise and direct junior portfolio management team members

• Bachelor’s degree in Finance, Business Administration, or a related field
• Minimum of 8 years 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 demonstrated ability to manage complex and higher-risk portfolios
• Experience providing guidance, coaching, or review of junior staff work is preferred but not required
• Excellent interpersonal and communication skills
• Ability to collaborate effectively with business and risk partners
• Ability to manage multiple priorities, complex transactions, and strategic initiatives while meeting deadlines

Demonstrates expertise in credit analysis, portfolio management, and underwriting, with a strong focus on risk assessment and compliance with regulatory guidelines. Proven ability to lead teams, manage complex portfolios, and deliver strategic insights to senior management.