Senior Commercial Portfolio Manager – Equipment Finance

Fifth Third Bank; Chicago (IL); On-site; USD 82,000 - 173,000; Full time

Job summary

Fifth Third Bank is seeking a Portfolio Manager II for Equipment Finance to oversee a commercial loan portfolio, analyze financial statements, structure covenants, and monitor risk through the deal lifecycle. You will work with Relationship Managers and Credit Risk to maintain credit quality and timely decisions.

The role emphasizes proactive risk management, independent analysis, and collaboration with risk partners, with exposure to treasury products and documentation considerations.

Qualifications

• Bachelor’s degree in Finance, Business Administration, or related field.
• Minimum of 6 years of experience in portfolio management, commercial banking, or related discipline.
• Strong understanding of accounting, credit analysis, portfolio management, structuring, underwriting, and legal documentation.
• Strong analytical and critical thinking skills.
• Strong verbal and written communication skills.
• Professional presence (client-facing).
• Strong interpersonal and communication skills with the ability to collaborate effectively with business and risk partners
• Expertise in financial and risk analysis, including financial modeling.
• Demonstrated expertise in using effective problem solving.
• Proficient in technology and ability to learn new applications.
• Ability to manage multiple projects and meet deadlines.

Responsibilities

• Maintain an independent current and forward-looking view on the creditworthiness of each client and communicate this view to business and risk partners.
• Perform monitoring actions; conduct periodic deal reviews; and execute decisions to renew or modify deals.
• Work closely with Credit Risk and Relationship Managers to actively manage the bank's exposure to the clients in the portfolio.
• Analyze historical financials and projections to ensure accurate risk ratings, early identification of emerging credit problems, and articulation of industry trends.
• Manage underwriting, approval and documentation process for transactions which may include new money, loan extensions, amendments, waivers and ancillary products, including treasury management, FX, interest rate derivatives, and commodity exposure.
• Review and recommend credit decisions; perform final risk rating analysis; provide business partners with credit lending policy interpretation.
• Ensure compliance with internal policies and regulatory guidelines.
• Actively involved in the recruiting, training, and mentoring of junior team members to enhance their skills and performance.
• Meet with prospects / clients as needed.
• Create and deliver comprehensive portfolio performance reports and presentations for senior management, offering strategic insights and high-level recommendations.
• Ensure the highest standards of accuracy and integrity in system records and electronic files, supporting advanced compliance and data governance initiatives.

Skills

Credit analysis

Portfolio management

Financial modeling

Legal documentation

Analytical thinking

Communication skills

Education

Bachelor's degree in Finance / related field

Job description

Fifth Third Bank is seeking a Portfolio Manager II for Equipment Finance to oversee a commercial loan portfolio, analyze financial statements, structure covenants, and monitor risk through the deal lifecycle. You will work with Relationship Managers and Credit Risk to maintain credit quality and timely decisions.

The role emphasizes proactive risk management, independent analysis, and collaboration with risk partners, with exposure to treasury products and documentation considerations.