Commercial Portfolio Manager

FinTrust Connect; Miami (FL); Hybrid; USD 110,000 - 140,000; Full time

Job summary

FinTrust Connect, in partnership with a commercial banking institution, seeks a Portfolio Manager to lead credit underwriting and portfolio management for an assigned client portfolio.

The role focuses on renewals, risk controls, reporting, and client support to drive sound credit decisions and service excellence in a hybrid Miami, FL environment.

Qualifications

• Minimum of 5 years of Commercial Banking experience with client relationship management.
• Experience in Commercial Middle Market and/or Mid-Corporate Banking.
• Experience managing credit quality of a portfolio of commercial banking clients.
• Experience with loan structuring and business development.
• Strong understanding of financial statements, accounting principles, valuation techniques, and cash flow analysis.

Responsibilities

• Underwrite and manage commercial credit relationships in alignment with established risk guidelines.
• Serve as a primary client resource for portfolio-related matters, reporting, maintenance, and new requests involving existing credit relationships.
• Lead renewal activities for existing clients in coordination with Relationship Managers.
• Participate in periodic client calls and visits for the assigned portfolio.
• Maintain pipeline activity for existing clients in Salesforce, including draws, increases, paydowns, and payoffs.
• Drive the loan closing process with internal closing resources and portfolio support partners.
• Monitor maturities, annual reviews, past-due payments, financial reporting, covenants, and loan document exceptions.
• Prepare portfolio monitoring and risk-management materials, including CAMP reports, quarterly trend reviews, FAS 114 analysis, SOX controls, and risk-rating updates.
• Review and respond to portfolio-related approval requests, including overdrafts, wires, ACH suspensions, borrowing-base availability, and loan advances.
• Review pricing grids and tickler reports to confirm applicable pricing and fees are reflected correctly.
• Coordinate onboarding activities, including deposit account opening and treasury management setup.
• Consult with Relationship Managers on appropriate cross-sell opportunities.
• Mentor and provide situational training support to Associates and Senior Associates.
• Maintain current market knowledge and client relationships through relevant industry participation.

Skills

Commercial Banking

Credit Underwriting

Portfolio Management

Client Relationship

Financial Analysis

Cash Flow Analysis

Loan Structuring

Risk Management

Business Development

Education

Bachelor's in Business/Finance

Job description

FinTrust Connect has partnered with a commercial banking institution to identify top talent for a Portfolio Manager opportunity. This role is ideal for an experienced commercial banking professional who can combine disciplined credit underwriting and portfolio management with strong client relationship support.

Why this opportunity?

• Culture: Client-focused, collaborative, accountable, and relationship-oriented, with an emphasis on sound risk management and strong service.
• Workplace: Hybrid in Miami, FL.
• Function: Lead credit underwriting and portfolio management activities for an assigned commercial banking portfolio while supporting renewals, closings, ongoing credit administration, risk controls, and client needs.

Requirements:

• Minimum of 5 years of Commercial Banking experience, including client relationship management and formal credit training.
• Experience in Commercial Middle Market and/or Mid-Corporate Banking.
• Experience managing the credit quality of a portfolio of commercial banking clients.
• Experience with loan structuring and business development.
• Strong understanding of financial statements and accounting principles, including valuation techniques and cash flow analysis.
• Degree or diploma in Business, Finance, Accounting, or a related field.

Preferred

• Completion of a Commercial Banking Training Program or equivalent.

Description:

• Underwrite and manage commercial credit relationships in alignment with established risk guidelines.
• Serve as a primary client resource for portfolio-related matters, reporting, maintenance, and new requests involving existing credit relationships.
• Lead renewal activities for existing clients in coordination with Relationship Managers.
• Participate in periodic client calls and visits for the assigned portfolio.
• Maintain pipeline activity for existing clients in Salesforce, including draws, increases, paydowns, and payoffs.
• Drive the loan closing process with internal closing resources and portfolio support partners.
• Monitor maturities, annual reviews, past-due payments, financial reporting, covenants, and loan document exceptions.
• Prepare portfolio monitoring and risk-management materials, including CAMP reports, quarterly trend reviews, FAS 114 analysis, SOX controls, and risk-rating updates.
• Review and respond to portfolio-related approval requests, including overdrafts, wires, ACH suspensions, borrowing-base availability, and loan advances.
• Review pricing grids and tickler reports to confirm applicable pricing and fees are reflected correctly.
• Coordinate onboarding activities, including deposit account opening and treasury management setup.
• Consult with Relationship Managers on appropriate cross-sell opportunities.
• Mentor and provide situational training support to Associates and Senior Associates.
• Maintain current market knowledge and client relationships through relevant industry participation.