Commercial Real Estate Portfolio Manager I

Fifth Third Bank, N.A.; Charlotte (NC); On-site; USD 69,000 - 144,000; Full time

Job summary

A forward-thinking company is seeking a Portfolio Manager to join their dynamic team in Charlotte. This role involves managing a diverse portfolio of accounts, making critical credit decisions, and collaborating closely with clients and relationship managers. The ideal candidate will possess strong analytical skills and a proven track record in credit analysis within commercial banking. With a focus on continuous learning and risk management, this position offers a unique opportunity to contribute to the bank's success while fostering a positive customer experience. If you are ready to take the next step in your banking career, this is the perfect opportunity for you.

Qualifications

• 3+ years of credit analysis or loan review experience in Commercial Banking.
• Strong analytical and critical thinking skills are essential.

Responsibilities

• Manage a portfolio of accounts and review credit decisions.
• Collaborate with clients and relationship managers for business development.

Skills

Credit Analysis

Financial Modeling

Analytical Skills

Communication Skills

Problem-Solving

Education

Bachelor's degree in Business

Bachelor's degree in Finance

Bachelor's degree in Accounting

Tools

Financial Software

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 a key member of the "coverage team," managing transactions and business portfolio tasks. PMs are expected to be intimately involved 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 ensuring that actions and behaviors drive a positive customer experience. While operating within the Bank's risk appetite, achieve results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

1. Manage a portfolio of accounts.
2. Review and recommend credit decisions.
3. Partner with the Relationship Manager, forming the "coverage team."
4. Meet with clients and participate in business development calls.
5. Assess prospective client's viability for credit.
6. Define borrowers and guarantors, deal structure, credit terms and conditions, and financial covenants.
7. Value collateral.
8. Contribute to workflow or process change and redesign, and develop a strong understanding of the Credit Lending process.
9. Focus on execution within the defined credit lending process.
10. Generate commitment letters.
11. Perform final risk rating analysis.
12. Document credit decisions, conditions, and modifications.
13. Collaborate with the Credit Analyst to perform portfolio management duties.
14. Establish and maintain Investor Group on lender portal.
15. Conduct periodic deal reviews and monitor actions.
16. Execute decisions to renew or modify deals.
17. Communicate directly with clients regarding credit events and actions as needed.
18. Independently pitch deal structures.
19. Maintain a focus on continuous learning to adapt to market dynamics.
20. Mentor Credit Analysts.

MINIMUM KNOWLEDGE, SKILLS, AND ABILITIES REQUIRED:

• Bachelor's degree in Business, Finance, or Accounting.
• At least 3 years of credit analysis and/or loan review experience in Commercial Banking.
• Strong analytical and critical thinking skills.
• Effective verbal and written communication skills.
• Professional presence in client-facing interactions.
• Ability to collaborate with all deal stakeholders including clients, relationship managers, and credit teams.
• Expertise in financial and risk analysis, including financial modeling.
• Effective problem-solving skills.
• Proficiency with technology and adaptability to new applications.

WORKING CONDITIONS:

• Normal office environment with minimal exposure to dust, noise, or temperature extremes.
• Extended screen time.
• Some travel required.

Commercial Real Estate Portfolio Manager I
Total Base Pay Range: $69,800 - $143,100 USD annually
Location: Charlotte, North Carolina 28202

Fifth Third Bank, National Association, promotes an engaged and inclusive culture and ensures equal employment opportunity regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status, or any other legally protected status.