Lead Portfolio Manager – Middle Market C&I Lending

FinTrust Connect

Atlanta (GA)

On-site

USD 120,000 - 180,000

Full time

14 days+

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Job summary

FinTrust Connect, in Atlanta, seeks a Portfolio Manager Team Lead for Middle Market C&I to drive credit quality, coach portfolio managers, and partner with Relationship Managers to deliver sound lending solutions and exceptional client service. The role requires a bachelor's degree and a minimum of 10 years in commercial banking, with leadership experience in MM C&I.

The position emphasizes portfolio leadership, risk management, and collaboration with commercial teams to grow business

Qualifications

Minimum 10 years of commercial banking, credit, portfolio management, or commercial lending experience with significant Middle Market C&I exposure.
Experience leading and developing Portfolio Managers, Credit Analysts, or commercial banking professionals.
Extensive underwriting and structuring Middle Market C&I credit facilities.
Strong knowledge of cash flow lending, revolving lines of credit, equipment financing, acquisition financing, and term loan structures.
Deep understanding of commercial credit analysis, financial statement analysis, covenant design, global cash flow, leverage, liquidity, and debt service coverage.
Experience approving or recommending complex commercial credit transactions through formal credit approval processes.
Strong knowledge of commercial loan documentation, collateral structures, policy exceptions, and regulatory expectations.
Proven ability to manage portfolio quality while balancing client responsiveness and business growth.

Responsibilities

Lead, mentor, and develop a team of Middle Market C&I Portfolio Managers responsible for underwriting and managing commercial banking relationships.
Reports to Commercial Banking or Credit Leadership.
Provide guidance on complex credit structures, underwriting strategies, risk assessment, and portfolio management best practices.
Review and approve credit recommendations, ensuring consistency with underwriting standards, credit policy, and regulatory expectations.
Oversee portfolio quality by monitoring risk ratings, covenant compliance, criticized assets, industry concentrations, and emerging credit trends.
Partner with Commercial Relationship Managers to evaluate new lending opportunities, renewals, modifications, and complex credit requests.
Assist Portfolio Managers in structuring revolving credit facilities, working capital lines, equipment loans, acquisition financing, and other C&I lending solutions.
Review credit approval memoranda, annual reviews, renewals, amendments, and commitment documentation to ensure thorough financial analysis and sound credit recommendations.
Identify policy exceptions and work collaboratively with credit leadership to evaluate mitigating factors and appropriate risk controls.
Support talent development through coaching, performance feedback, workflow management, and ongoing technical credit training.
Coordinate with Credit Administration, Loan Operations, Legal, and other internal partners to ensure efficient execution of commercial lending transactions.
Participate in customer meetings involving larger or more complex commercial relationships and provide strategic credit guidance when appropriate.
Foster a culture of strong credit discipline, collaboration, continuous improvement, and exceptional client service.