Commercial Portfolio Manager II - Energy

Fifth Third Bank; Houston (TX); On-site; USD 85,000 - 120,000; Full time

Job summary

Fifth Third Bank is looking for a Portfolio Manager to join their team in Houston, Texas. The successful candidate will manage a diverse portfolio and provide key insights and recommendations regarding credit structures and client viability, ensuring a positive experience for customers. This role requires strong analytical skills, critical thinking, and a commitment to risk management in banking.

Qualifications

• 6 years credit analysis and/or loan review experience in Commercial Banking including Energy experience.
• Professional presence in client-facing situations.
• Expertise in financial and risk analysis.

Responsibilities

• Manage a portfolio of accounts and review credit decisions.
• Assess client's viability for credit and define deal structures.
• Collaborate with analysts and communicate with clients regarding credit events.

Skills

Analytical skills

Critical thinking

Verbal communication skills

Written communication skills

Problem-solving

Education

Bachelor's degree in Business

Job description

Make banking a Fifth Third better

We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank.

GENERAL FUNCTION:

The Portfolio Manager is key member of the "coverage team", managing transactions and business portfolio tasks. PMs are expected to be intimately involved in in the deal process, making recommendations on appropriate credit structures ,pricing, etc. PMs are directly accountable for managing a portfolio of accounts through their review of updated financial statements, proactive monitoring, and interaction with the Credit Analyst.

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:

• Accountable for managing a portfolio of accounts.
• Review and recommend credit decisions.
• Meet with clients and Participate in business Development calls.
• Assess prospective client's viability for credit.
• Define borrowers and guarantors, deal structure, credit terms and conditions, and financial covenants.
• Value collateral.
• Generate commitment letters.
• Assist in providing business partners credit lending policy interpretation.
• Perform final risk rating analysis.
• Capture and document credit decisions, conditions, and modifications.
• Collaborates with the Credit Analyst to perform Portfolio management duties such as:
• Establish and maintain Investor Group on lender Portal.
• Perform Monitoring action and Conduct periodic deal Review.
• Execute decisions to renew or modify deals.
• Communicate directly with clients regarding credit events and actions as needed.
• Works independently to pitch a more complex deal structure.
• A focus on continuous learning to keep up with ever-changing market dynamics.
• Mentor to more Junior PMs and Credit Analysts.

MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:

• Bachelor's degree in Business (e.g. Business Administration, Finance, or Accounting).
• At least 6 years credit analysis and/or loan review experience in Commercial Banking that includes Energy experience.
• Advanced analytical skills, critical thinking and verbal and written communication skills.
• Professional presence (client-facing).
• Experience managing an advanced commercial client portfolio with some degree of complexity.
• Ability to partner with all deal stakeholders including clients, relationship manager and credit teams.
• Expertise in financial and risk analysis, including financial modeling.
• Demonstrated expertise in using effective problem solving.
• Proficient with technology and ability to learn new applications.

WORKING CONDITIONS:

• Normal office environment with little exposure to dust, noise, temperature and the like.
• Extended viewing of a CRT screen.
• Some travel required

SUPERVISORY RESPONSIBILITY:

• In some cases, role may be responsible for providing employees timely, candid and constructive performance feedback. Developing employees to their fullest potential and provide challenging opportunities that enhance employee career growth; developing the appropriate talent pool to ensure adequate bench strength and succession planning; recognizing and rewarding employees for accomplishments.

Commercial Portfolio Manager II - Energy LOCATION -- Houston, Texas 77002

Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.