Portfolio Manager Team Lead

FinTrust Connect; Atlanta (GA); On-site; USD 120,000 - 180,000; Full time

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.

Skills

Leadership

Credit analysis

Coaching

Relationship management

Organizational skills

Education

Bachelor's degree in Finance/Accounting/Business/Economics

Advanced degree or formal banking education

Job description

FinTrust Connect has partnered with a well-capitalized regional banking institution to identify top talent for a confidential Portfolio Manager Team Lead, Middle Market C&I opportunity. This role is ideal for an experienced commercial banking leader who combines deep Middle Market C&I credit expertise with a passion for coaching portfolio managers, driving credit quality, and partnering with Relationship Managers to deliver sound lending solutions and exceptional client service.

Why this opportunity

• Culture: Collaborative, high-performing commercial banking environment that values strong leadership, sound credit judgment, accountability, and relationship-driven banking
• Workplace: On-site in Atlanta, GA
• Function: Lead a team of Middle Market C&I Portfolio Managers while overseeing portfolio quality, underwriting standards, credit execution, and collaboration with Commercial Relationship Managers to support new business growth and prudent risk management

Requirement:

• Bachelor's degree in Finance, Accounting, Business, Economics, or a related discipline; advanced degree or formal banking education is a plus
• Minimum 10 years of commercial banking, commercial credit, portfolio management, or commercial lending experience with significant Middle Market C&I exposure
• Previous leadership experience managing, mentoring, or developing Portfolio Managers, Credit Analysts, or commercial banking professionals
• Extensive experience underwriting and structuring Middle Market Commercial & Industrial (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
• Excellent coaching, communication, relationship management, and organizational skills

Description:

• 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