Senior Commercial Portfolio Manager — Credit & Deal Structuring

Fifth Third Bank; Houston (TX); On-site; USD 90,000 - 130,000; Full time

Job summary

Fifth Third Bank is seeking a Portfolio Manager II in Houston to manage a client portfolio, advise on credit structures, and support the deal process. You will review financial statements, monitor risk, and collaborate with credit analysts and relationship managers to structure credit terms and covenants.

The role emphasizes strong analytical skills, client-facing professionalism, and the ability to drive implementation within the bank's lending framework while identifying opportunities for

Qualifications

• Bachelor's degree in Business (e.g. Business Administration, Finance, or Accounting).
• At least 3 years credit analysis and/or loan review experience in Commercial Banking.
• Strong analytical skills and critical thinking skills.
• Strong verbal and written communication skills.
• Professional presence (client-facing).
• Ability to partner with all deal stakeholders including clients, relationship manager and credit teams.
• Expertise in financial and risk analysis, including financial modeling.
• Demonstrated expertise in using effective problem solving.
• Proficient with technology and ability to learn new applications.

Responsibilities

• Accountable for managing a portfolio of accounts.
• Review and recommend credit decisions.
• Partners with the Relationship Manager, forming the "coverage team".
• Meet with clients and Participate in business Development calls.
• Assess prospective client's viability for credit.
• Define borrowers and guarantors, deal structure, credit terms and conditions, and financial covenants.
• Value collateral.
• Expected to contribute to work flow or process change and redesign, and to form a strong basic understanding of the Credit Lending process.
• Focus on execution within defined credit lending process.
• Generate commitment letters.
• Perform final risk rating analysis.
• Capture and document credit decisions, conditions, and modifications.
• Collaborates with the Credit Analyst to perform Portfolio management duties.
• Establish and maintain Investor Group on lender Portal.
• Perform Monitoring action and Conduct periodic deal Review.
• Execute decisions to renew or modify deals.
• Communicate directly with clients regarding credit events and actions as needed.
• Works independently to pitch a deal structure.
• A focus on continuous learning to keep up with ever-changing market dynamics.
• Mentor to Credit Analysts.

Skills

Credit analysis

Analytical skills

Critical thinking

Verbal and written communication

Client-facing

Stakeholder collaboration

Financial modeling

Problem solving

Technology proficiency

Education

Bachelor's degree in Business (e.g. Business Administration, Finance, or Accounting)

Job description

Fifth Third Bank is seeking a Portfolio Manager II in Houston to manage a client portfolio, advise on credit structures, and support the deal process. You will review financial statements, monitor risk, and collaborate with credit analysts and relationship managers to structure credit terms and covenants.

The role emphasizes strong analytical skills, client-facing professionalism, and the ability to drive implementation within the bank's lending framework while identifying opportunities for