Senior Commercial Portfolio Leader & Risk Strategist

Fifth Third Bank, N.A.; Chicago (IL); On-site; USD 97,000 - 208,000; Full time

Job summary

Fifth Third Bank, N.A. is seeking a Senior Commercial Portfolio Manager in Indianapolis, IN.

You will manage a large, complex portfolio, perform risk analysis, and guide credit decisions in partnership with Relationship Managers and Credit Risk. The role requires deep knowledge of commercial banking, strong communication, and leadership of underwriting, structuring, and documentation for new money, renewals, extensions, and amendments.

Qualifications

• Bachelor’s degree in Finance, Business Administration, or related field.
• 8+ years of experience in commercial banking, portfolio management, underwriting, or related discipline.
• Subject matter expert in accounting, credit analysis, portfolio management, structuring, underwriting, and legal documentation.
• Strong risk judgment for complex and higher‑risk portfolios.
• Experience coaching or reviewing junior staff preferred but not required.
• Excellent interpersonal and communication skills for collaboration with business and risk partners.
• Ability to manage multiple priorities and complex transactions while meeting deadlines.

Responsibilities

• Maintain an independent, current and forward-looking view of the creditworthiness of each client and communicate risk perspectives clearly to business and risk partners.
• Perform ongoing monitoring and periodic deal reviews; approve or recommend renewal, modification or exit decisions as appropriate.
• Analyze historical financials and projections to ensure accurate risk ratings, early identification of emerging credit issues, and clear articulation of industry and company trends.
• Manage the underwriting, approval and documentation process for transactions, including new money, renewals, extensions, amendments, waivers, and ancillary products (e.g., treasury management, FX, interest rate derivatives and commodity exposure).
• Review and recommend credit decisions, perform final risk rating analysis , provide interpretation of credit policy to business partners , and elevate non-standard or higher-risk requests as appropriate .
• Ensure compliance with internal credit policies, regulatory guidelines and documentation standards.
• Manage a larger, more complex portfolio that may include higher ‑ risk , lead bank and high touch client relationships.
• Serve as an active member of the coverage team in collaboration with Relationship Managers and Credit Risk.
• Meet directly with prospects and clients as needed, leading diligence discussions for assigned relationships and supporting escalated discussions alongside senior leadership.
• Provide guidance on deal structures, pricing and risk mitigation strategies.
• Create and deliver portfolio performance reports and presentations for senior management, including risk insights and recommendations.
• Ensure accuracy and integrity of system records and electronic credit files, supporting data governance and regulatory readiness.
• Participate in senior level team meetings, providing input on portfolio themes, risk trends and process improvements.
• Lead or participate in special projects and strategic initiatives that enhance portfolio management practices and systems.
• Review work product prepared by junior team members to ensure accuracy and consistency and provide coaching and feedback to Credit Analysts.

Skills

Credit analysis

Portfolio management

Risk assessment

Communication

Coaching

Multitasking

Education

Bachelor’s degree in Finance, Business Administration, or related field

Job description

Fifth Third Bank, N.A. is seeking a Senior Commercial Portfolio Manager in Indianapolis, IN.

You will manage a large, complex portfolio, perform risk analysis, and guide credit decisions in partnership with Relationship Managers and Credit Risk. The role requires deep knowledge of commercial banking, strong communication, and leadership of underwriting, structuring, and documentation for new money, renewals, extensions, and amendments.