Senior Commercial Portfolio Manager – CRE

Jobtailor; Illinois; On-site; USD 120,000 - 180,000; Full time

Job summary

Jobtailor is seeking an experienced Senior Credit Risk Manager in Illinois to oversee complex client portfolios and ensure rigorous risk controls. You will analyze historical financials and projections, monitor credit risk, approve or recommend renewals, modifications or exits, and guide deal structures with risk mitigation.

This role requires leadership of junior staff, delivering portfolio insights to senior management and leading strategic initiatives, while maintaining regulatory compliance

Qualifications

• Bachelor’s degree or higher in Finance, Business Administration, or a 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 with the ability to manage complex and higher-risk portfolios.
• Experience coaching or reviewing junior staff work is preferred but not required.

Responsibilities

• Maintain an independent, current and forward-looking view of client creditworthiness.
• Perform ongoing monitoring and periodic deal reviews; approve or recommend renewal, modification or exit decisions.
• Analyze historical financials and projections for risk ratings and emerging credit issues.
• Manage underwriting, approval and documentation for new money, renewals, extensions, amendments, waivers and ancillary products.
• Review and recommend credit decisions and perform final risk rating analysis.
• Interpret credit policy and escape non-standard or higher-risk requests.
• Ensure compliance with internal credit policies, regulatory guidelines and documentation standards.
• Manage a larger, more complex portfolio, including higher-risk, lead bank and high-touch client relationships.
• Collaborate with Relationship Managers and Credit Risk as an active coverage-team member.
• Meet prospects and clients as needed and lead diligence discussions.
• Provide guidance on deal structures, pricing and risk mitigation strategies.
• Create and deliver portfolio performance reports and presentations for senior management.
• Ensure accuracy of system records and electronic credit files.
• Participate in senior-level team meetings and contribute to portfolio themes, risk trends and process improvements.
• Lead or participate in special projects and strategic initiatives.
• Review junior team members’ work product and provide coaching and feedback.
• May directly supervise and direct junior portfolio management team members.

Skills

Credit risk assessment

Portfolio risk management

Stakeholder communication

Team leadership

Financial analysis

Regulatory compliance

Education

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

Job description

• Maintain an independent, current and forward-looking view of client creditworthiness
• Perform ongoing monitoring and periodic deal reviews; approve or recommend renewal, modification or exit decisions
• Analyze historical financials and projections for risk ratings and emerging credit issues
• Manage underwriting, approval and documentation for new money, renewals, extensions, amendments, waivers and ancillary products
• Review and recommend credit decisions and perform final risk rating analysis
• Interpret credit policy and escape non-standard or higher-risk requests
• Ensure compliance with internal credit policies, regulatory guidelines and documentation standards
• Manage a larger, more complex portfolio, including higher-risk, lead bank and high-touch client relationships
• Collaborate with Relationship Managers and Credit Risk as an active coverage-team member
• Meet prospects and clients as needed and lead diligence discussions
• Provide guidance on deal structures, pricing and risk mitigation strategies
• Create and deliver portfolio performance reports and presentations for senior management
• Ensure accuracy of system records and electronic credit files
• Participate in senior-level team meetings and contribute to portfolio themes, risk trends and process improvements
• Lead or participate in special projects and strategic initiatives
• Review junior team members’ work product and provide coaching and feedback
• May directly supervise and direct junior portfolio management team members

Requirements

• Bachelor’s degree in Finance, Business Administration, or a related field
• Minimum of 8 years of experience in commercial banking, portfolio management, underwriting or a related discipline
• Subject matter expert-level understanding of accounting, credit analysis, portfolio management, structuring, underwriting, and legal documentation
• Strong risk judgment with demonstrated ability to manage complex and higher-risk portfolios
• Experience providing guidance, coaching, or review of junior staff work is preferred but not required
• Excellent interpersonal and communication skills
• Ability to collaborate effectively with business and risk partners
• Ability to manage multiple priorities, complex transactions, and strategic initiatives while meeting deadlines

Core Competencies

Demonstrates expertise in credit analysis, portfolio management, and underwriting, with a strong focus on risk assessment and compliance with regulatory guidelines. Proven ability to lead teams, manage complex portfolios, and deliver strategic insights to senior management.