Senior Portfolio Manager, Credit Risk & Strategy

Fifth Third Bank; New York (NY); Vor Ort; USD 97.000 - 208.000; Vollzeit

Zusammenfassung

Fifth Third Bank in Charlotte, North Carolina seeks a Senior Portfolio Manager to oversee client credit assessments, risk ratings and deal structuring across a diverse portfolio. You will partner with Relationship Managers and Credit Risk to monitor performance, support risk-aware decisions and ensure compliance with policy and regulatory guidelines.

This senior role includes lead responsibility for complex transactions, portfolio reviews, and presenting risk insights to senior management, with

Qualifikationen

• 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 with the ability to collaborate effectively with business and risk partners.
• Ability to manage multiple priorities, complex transactions, and strategic initiatives while meeting deadlines.

Aufgaben

• 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 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 (e.g., treasury management, FX, interest rate derivatives and commodity exposure).
• Review and recommend credit decisions, perform final risk rating analysis, provide interpretation of credit policy to business partners, and elevate non‑standard or higher‑risk requests as appropriate.
• Ensure compliance with internal credit policies, regulatory guidelines and documentation 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 clients 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.

Kenntnisse

Risk assessment

Credit risk analysis

Portfolio management

Regulatory knowledge

Communication & collaboration

Ausbildung

Bachelor’s degree in Finance/Business/related field

Jobbeschreibung

Fifth Third Bank in Charlotte, North Carolina seeks a Senior Portfolio Manager to oversee client credit assessments, risk ratings and deal structuring across a diverse portfolio. You will partner with Relationship Managers and Credit Risk to monitor performance, support risk-aware decisions and ensure compliance with policy and regulatory guidelines.

This senior role includes lead responsibility for complex transactions, portfolio reviews, and presenting risk insights to senior management, with