Senior Portfolio Manager

FinTrust Connect; Atlanta (GA); On-site; USD 120,000 - 150,000; Full time

Job summary

FinTrust Connect seeks an experienced Senior Portfolio Manager to underwrite and manage Middle Market C&I lending relationships in a dynamic regional bank partnership. You will structure credit facilities, monitor performance, and partner with Relationship Managers to support new business while ensuring risk controls and regulatory compliance.

The role requires deep cash flow and collateral analysis, expert credit judgement, and the ability to present recommendations to credit leadership.

Qualifications

• Bachelor's degree in Finance, Accounting, Business, Economics, or a related field; equivalent experience considered
• Minimum 5 years of commercial banking, commercial credit, or portfolio management experience supporting Middle Market C&I clients; 10+ years preferred
• Strong experience underwriting cash flow-based and asset-based Commercial & Industrial lending transactions
• Knowledge of revolving lines of credit, working capital facilities, equipment financing, acquisition financing, and term loan structures
• Experience analyzing company financial statements, global cash flow, borrowing base reporting, collateral, guarantor strength, and repayment capacity
• Understanding of leverage, liquidity, debt service coverage, covenant compliance, and commercial risk rating methodologies
• Experience preparing credit approval memoranda and presenting recommendations to credit leadership
• Working knowledge of loan documentation, covenants, collateral perfection, and ongoing reporting requirements
• Ability to identify emerging portfolio risks, industry trends, policy exceptions, and deteriorating borrower performance
• Excellent analytical, organizational, written, and verbal communication skills
• Proficiency with Microsoft Office applications, including Excel, Word, Outlook, and PowerPoint

Responsibilities

• Manage the underwriting, approval, and ongoing portfolio management of Middle Market C&I lending relationships.
• Analyze borrower financial performance, cash flow generation, liquidity, leverage, collateral, industry trends, and repayment capacity to support sound credit decisions.
• Structure revolving lines of credit, working capital facilities, equipment loans, term debt, acquisition financing, and other C&I credit solutions.
• Evaluate borrowing base reports, accounts receivable, inventory, collateral coverage, and guarantor support when applicable.
• Recommend appropriate loan structures, advance rates, covenants, pricing, amortization, and risk ratings consistent with credit policy.
• Prepare comprehensive credit approval memoranda, annual reviews, renewals, amendments, and commitment documentation.
• Monitor portfolio performance for signs of financial deterioration, covenant breaches, industry-specific risks, and emerging credit concerns.
• Partner closely with Middle Market Relationship Managers to evaluate new opportunities, retain existing relationships, and deliver responsive credit solutions.
• Participate in client meetings to discuss financial performance, due diligence requirements, transaction structures, and ongoing credit needs.
• Coordinate with Credit Administration, Loan Operations, Legal, and other internal stakeholders throughout the underwriting and closing process.
• Identify policy exceptions and communicate risks and mitigating factors to credit leadership.
• Maintain direct communication with borrowers during underwriting, portfolio reviews, renewals, and ongoing servicing activities.
• Reports to senior Credit or portfolio leadership and operates as an individual contributor with no direct supervisory responsibilities.

Skills

Credit underwriting

Cash flow analysis

Financial statement analysis

Portfolio management

C&I lending

Credit structuring

Client relationship

Education

Bachelor's degree in Finance/Accounting/Business

Job description

FinTrust Connect has partnered with a well-capitalized regional banking institution to identify top talent for a Senior Portfolio Manager, Middle Market C&I opportunity. This role is ideal for an experienced commercial credit professional who has deep expertise underwriting middle market Commercial & Industrial clients, structuring complex cash flow-based credit facilities, and proactively managing portfolio risk while serving as a trusted partner to Relationship Managers.

Why this opportunity?

• Culture: Collaborative, relationship-driven environment that values sound credit judgement, accountability, independent decision-making, and long-term client relationships
• Workplace: On-site in Atlanta, GA
• Function: Underwrite, structure, and manage a portfolio of Middle Market C&I relationships while partnering with Relationship Managers to deliver customized credit solutions, monitor portfolio performance, and support new business development

Requirements

• Bachelor's degree in Finance, Accounting, Business, Economics, or a related field; equivalent experience considered
• Minimum 5 years of commercial banking, commercial credit, or portfolio management experience supporting Middle Market C&I clients; 10+ years preferred
• Strong experience underwriting cash flow-based and asset-based Commercial & Industrial lending transactions
• Demonstrated knowledge of revolving lines of credit, working capital facilities, equipment financing, acquisition financing, and term loan structures
• Experience analyzing company financial statements, global cash flow, borrowing base reporting, collateral, guarantor strength, and repayment capacity
• Strong understanding of leverage, liquidity, debt service coverage, covenant compliance, and commercial risk rating methodologies
• Experience preparing detailed credit approval memoranda and presenting recommendations to credit leadership
• Working knowledge of loan documentation, financial covenants, collateral perfection, and ongoing reporting requirements
• Ability to identify emerging portfolio risks, industry trends, policy exceptions, and deteriorating borrower performance
• Excellent analytical, organizational, written, and verbal communication skills
• Proficiency with Microsoft Office applications, including Excel, Word, Outlook, and PowerPoint

Description

• Manage the underwriting, approval, and ongoing portfolio management of Middle Market Commercial & Industrial lending relationships.
• Analyze borrower financial performance, cash flow generation, liquidity, leverage, collateral, industry trends, and repayment capacity to support sound credit decisions.
• Structure revolving lines of credit, working capital facilities, equipment loans, term debt, acquisition financing, and other C&I credit solutions appropriate to borrower needs.
• Evaluate borrowing base reports, accounts receivable, inventory, collateral coverage, and guarantor support when applicable.
• Recommend appropriate loan structures, advance rates, covenants, pricing, amortization, and risk ratings consistent with credit policy.
• Prepare comprehensive credit approval memoranda, annual reviews, renewals, amendments, and commitment documentation.
• Monitor portfolio performance for signs of financial deterioration, covenant breaches, industry-specific risks, and emerging credit concerns.
• Partner closely with Middle Market Relationship Managers to evaluate new opportunities, retain existing relationships, and deliver responsive credit solutions.
• Participate in client meetings to discuss financial performance, due diligence requirements, transaction structures, and ongoing credit needs.
• Coordinate with Credit Administration, Loan Operations, Legal, and other internal stakeholders throughout the underwriting and closing process.
• Identify policy exceptions and clearly communicate associated risks and mitigating factors to credit leadership.
• Maintain direct communication with borrowers during underwriting, portfolio reviews, renewals, and ongoing servicing activities.
• Reports to senior Credit or portfolio leadership and operates as an individual contributor with no direct supervisory responsibilities.