Senior Commercial Portfolio Manager: Risk & Growth

Fifth Third Bank, N.A.; San Jose (CA); On-site; USD 97,000 - 208,000; Full time

Job summary

Fifth Third Bank, National Association in San Jose, CA is seeking a Senior Portfolio Manager to lead a credit portfolio through rigorous financial analysis, risk assessment, and proactive monitoring. You will work with Relationship Managers and Credit Risk across the deal lifecycle, including structuring, pricing, risk ratings, and due diligence.

The role emphasizes identifying emerging credit issues, maintaining policy compliance, and delivering portfolio insights.

Qualifications

• Bachelor’s degree in Finance, Business Administration, or a related field.
• 8+ years of experience in commercial banking, portfolio management, underwriting or related discipline.
• Subject matter expert level understanding of accounting, credit analysis, portfolio management, structuring, underwriting, and legal documentation.
• Strong risk judgment with ability to manage complex and higher risk portfolios.
• Experience guiding or reviewing junior staff work is preferred but not required.
• Excellent interpersonal and communication skills with the ability to collaborate with business and risk partners.
• Ability to manage multiple priorities, complex transactions, and strategic initiatives 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
• Review and recommend credit decisions, perform final risk rating analysis , provide interpretation of credit policy to business partners , and escalation non-standard or higher-risk requests as appropriate
• Ensure compliance with internal credit policies, regulatory guidelines and document 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 client 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

Relationship management

Interpersonal skills

Communication skills

Education

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

Job description

Fifth Third Bank, National Association in San Jose, CA is seeking a Senior Portfolio Manager to lead a credit portfolio through rigorous financial analysis, risk assessment, and proactive monitoring. You will work with Relationship Managers and Credit Risk across the deal lifecycle, including structuring, pricing, risk ratings, and due diligence.

The role emphasizes identifying emerging credit issues, maintaining policy compliance, and delivering portfolio insights.