Junior Portfolio Manager — Commercial Lending Path

Fidelity Bank; Charlotte (NC); On-site; USD 65,000 - 90,000; Full time

Job summary

Fidelity Bank in Charlotte, NC seeks a Junior Portfolio Manager to develop credit, portfolio management, and business development skills within a structured lending development program, aiming for roles such as Business Development Officer or Portfolio Manager.

You will work with credit partners and seasoned lenders on commercial loan portfolios, financial analysis, underwriting, relationship management, and client development, gradually increasing responsibility.

Qualifications

• Bachelor’s degree in Finance, Accounting, Business Administration, Economics with 3 years of experience or equivalent.
• Strong analytical and problem-solving abilities.
• Excellent written and verbal communication skills.
• Ability to build trusted relationships with clients and internal partners.
• Proficiency with Microsoft Office and commercial lending systems.

Responsibilities

• Assist in managing an assigned portfolio of commercial loan relationships.
• Monitor loan performance, maturities, covenant compliance, and risk ratings.
• Track and resolve loan exceptions, past dues, documentation deficiencies, and collateral requirements.
• Review borrower financial statements and prepare annual relationship reviews.
• Assist with construction loan monitoring, inspections, and draw administration.
• Coordinate with credit administration and loan operations to ensure timely loan servicing.
• Identify elevated risks and work with Credit Officers and Portfolio Managers to mitigate risks.
• Develop proficiency in cash flow analysis, risk grading, and loan structuring.
• Evaluate new credit requests and modifications to existing relationships.
• Participate in customer meetings, annual reviews, and networking events.

Skills

Analytical thinking

Communication skills

Relationship building

Time management

Education

Bachelor’s degree in Finance, Accounting, Business Administration, Economics

Tools

Microsoft Office

Commercial lending systems

Job description

Fidelity Bank in Charlotte, NC seeks a Junior Portfolio Manager to develop credit, portfolio management, and business development skills within a structured lending development program, aiming for roles such as Business Development Officer or Portfolio Manager.

You will work with credit partners and seasoned lenders on commercial loan portfolios, financial analysis, underwriting, relationship management, and client development, gradually increasing responsibility.