Credit Portfolio Manager

FinTrust Connect; Miami (FL); Hybrid; USD 120,000 - 170,000; Full time

Job summary

FinTrust Connect is seeking a Group Portfolio Manager to lead underwriting and ongoing credit administration for a Middle Market C&I portfolio in a hybrid Miami setting. You will evaluate financial statements, cash flow, and collateral, and structure lending solutions while partnering with Relationship Managers to support client service and risk management.

The role requires a minimum of five years in commercial banking, formal credit training, and deep experience in loan structuring.

Qualifications

• Bachelor's degree in Finance, Accounting, Business, or related field.
• Minimum 5 years of commercial banking experience.
• Formal commercial credit training required.
• Experience underwriting and managing Middle Market commercial credit relationships.
• Demonstrated experience in commercial loan structuring.
• Strong financial statement analysis, cash flow modeling, and credit risk assessment skills.
• Knowledge of commercial lending documentation, covenant monitoring, and portfolio administration.
• Experience managing complex commercial loan portfolios throughout the credit lifecycle.
• Previous experience mentoring Associates or junior Portfolio Managers preferred.
• Strong communication, relationship management, and organizational skills.

Responsibilities

• Manage the underwriting and ongoing credit administration of a portfolio of Middle Market commercial banking clients with a focus on C&I lending.
• Analyze financial statements, cash flow, collateral, and industry trends to evaluate credit quality and structure appropriate lending solutions.
• Prepare comprehensive credit underwriting packages, annual reviews, renewals, risk assessments, and portfolio monitoring reports.
• Lead portfolio management activities including covenant compliance, financial reporting collection, maturity management, exception tracking, and risk rating maintenance.
• Coordinate commercial loan closing activities with internal operations and closing teams to ensure timely execution and documentation.
• Review borrowing base availability, approve advances within established authority, and support routine portfolio servicing requests.
• Partner closely with Commercial Relationship Managers to support existing client relationships, identify cross-sell opportunities, and participate in client meetings as needed.
• Maintain accurate portfolio reporting, monitor credit quality, and proactively identify emerging risks while recommending appropriate mitigation strategies.
• Mentor and provide day-to-day guidance to Associates and Senior Associates, supporting underwriting development and portfolio management best practices.
• Reports to Commercial Banking leadership and collaborates closely with Relationship Managers, Credit Risk, Loan Operations, Treasury Management, and Portfolio Support teams

Skills

Underwriting

Portfolio management

Financial analysis

Cash flow modeling

Credit risk assessment

Relationship management

Mentoring

Education

Bachelor's degree in Finance, Accounting, Business, or related field

Job description

FinTrust Connect has partnered with a well-capitalized regional banking institution to identify top talent for a Group Portfolio Manager opportunity. This role is ideal for an experienced commercial banking professional with a strong credit foundation who excels in middle market underwriting, portfolio management, and loan structuring while serving as a strategic credit partner to Commercial Relationship Managers and mentoring junior portfolio professionals.

Why this opportunity?

• Culture: Join a collaborative, relationship-focused commercial banking team that values sound credit judgment, client service, accountability, and professional development. This is an opportunity to make a meaningful impact while working alongside experienced commercial banking professionals in a high-performing environment
• Workplace: Hybrid in Miami, FL
• Function: Lead underwriting and portfolio management activities for a Middle Market C&I portfolio while partnering closely with Relationship Managers to deliver exceptional client service, manage credit risk, and support the development of junior team members

Requirements:

• Bachelor's degree in Finance, Accounting, Business, or related field
• Minimum 5 years of commercial banking experience
• Formal commercial credit training required
• Experience underwriting and managing Middle Market commercial credit relationships
• Demonstrated experience in commercial loan structuring
• Strong financial statement analysis, cash flow modeling, and credit risk assessment skills
• Knowledge of commercial lending documentation, covenant monitoring, and portfolio administration
• Experience managing complex commercial loan portfolios throughout the credit lifecycle
• Previous experience mentoring Associates or junior Portfolio Managers preferred
• Strong communication, relationship management, and organizational skills

Description:

• Manage the underwriting and ongoing credit administration of a portfolio of Middle Market commercial banking clients with a focus on C&I lending
• Analyze financial statements, cash flow, collateral, and industry trends to evaluate credit quality and structure appropriate lending solutions
• Prepare comprehensive credit underwriting packages, annual reviews, renewals, risk assessments, and portfolio monitoring reports
• Lead portfolio management activities including covenant compliance, financial reporting collection, maturity management, exception tracking, and risk rating maintenance
• Coordinate commercial loan closing activities with internal operations and closing teams to ensure timely execution and documentation
• Review borrowing base availability, approve advances within established authority, and support routine portfolio servicing requests
• Partner closely with Commercial Relationship Managers to support existing client relationships, identify cross-sell opportunities, and participate in client meetings as needed
• Maintain accurate portfolio reporting, monitor credit quality, and proactively identify emerging risks while recommending appropriate mitigation strategies
• Mentor and provide day-to-day guidance to Associates and Senior Associates, supporting underwriting development and portfolio management best practices
• Reports to Commercial Banking leadership and collaborates closely with Relationship Managers, Credit Risk, Loan Operations, Treasury Management, and Portfolio Support teams