Commercial Senior Portfolio Manager (Innovation Banking

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GENERAL FUNCTION:

The Senior Portfolio Manager (PM) is a key member of the Innovation Banking team responsible for managing a portfolio of technology and innovation-focused clients. The PM partners closely with Relationship Managers to structure, underwrite, and manage complex credit relationships for venture-backed, sponsor-backed, and high-growth companies across the technology, software, fintech, and digital infrastructure sectors.

This role requires deep expertise in commercial credit, venture debt, recurring revenue lending, and growth-company financial analysis. The Senior PM serves as a trusted advisor throughout the credit lifecycle, balancing prudent risk management with the ability to support innovative companies through various stages of growth. The portfolio will include early-stage, pre-profit, and high-growth borrowers with limited operating histories.

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 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 ensure accurate risk 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 rate derivatives and commodity exposure)
Review and recommend credit decisions, perform final risk rating analysis , provide interpretation of credit policy to business partners , and escalate non-standard or higher-risk requests as appropriate .Ensure compliance with internal credit policies, regulatory guidelines and documentation standards

Manage a larger, more complex portfolio that may include higher ‑ risk , lead bank and high 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 in senior level team meetings, providing input on portfolio themes, risk trends and process improvements

Lead or participate in special projects and strategic initiatives that enhance portfolio management practices and systems

Review work product prepared by junior team members to ensure accuracy and consistency and provide coaching and feedback to Credit Analysts

SUPERVISORY RESPONSIBILITIES:

May i nclude the direct s upervision and direction of the day-to-day activities of junior portfolio management team members. R esponsible for providing employees with timely , candid, and constructive performance feedback. Develop employees to their fullest potential and provide challenging opportunities that enhance employee career growth. Develop the appropriate talent pool to ensure adequate bench strength and succession planning. Recognize…