Senior Tech Lending Portfolio Manager, Institutional

U.S. Bank; Charlotte (NC); On-site; USD 207,000 - 243,000; Full time

Benefits offered by this job

Healthcare benefits

Retirement plan (401k)

Paid vacation and holidays

Disability and life insurance

Adoption assistance

Employee assistance programs

Job summary

U.S. Bank is seeking an Institutional Client Group Senior Portfolio Manager - SPM Technology to lead underwriting and credit risk assessment for technology-focused commercial loans. The role involves collaborating with risk teams, relationship managers and senior leadership to drive high-quality credit decisions.

You will develop underwriting standards, guide teams, and ensure compliance with regulatory requirements while staying informed on industry changes affecting the technology sector.

Qualifications

• Degree in finance, accounting or other related field or equivalent experience.
• 10+ years of corporate/commercial lending experience.
• Three or more years of management experience.
• MBA or CFA preferred for advanced roles.

Responsibilities

• Lead and manage a team of underwriters focused on commercial loans in the technology space, providing guidance, mentorship, and performance oversight.
• Assess and approve complex commercial loan applications.
• Conduct in-depth financial analysis, including cash flow modeling, debt service coverage, and collateral valuation, to determine borrower creditworthiness.
• Develop and refine underwriting standards specific to the technology industry ensuring alignment with market trends and regulatory requirements.
• Collaborate with relationship managers and credit approval officers to structure loans that meet client needs while protecting the bank’s interests.
• Monitor portfolio performance, identifying trends, early warning signs, and risk mitigation strategies.
• Ensure compliance with all regulatory guidelines, internal policies, and industry best practices.
• Present credit decisions and recommendations to senior management and CRM. needed.

Skills

Leadership

Credit analysis

Financial modeling

Regulatory knowledge

Communication

Education

Bachelor's degree (Finance/Accounting/related)

MBA or CFA preferred

Job description

U.S. Bank is seeking an Institutional Client Group Senior Portfolio Manager - SPM Technology to lead underwriting and credit risk assessment for technology-focused commercial loans. The role involves collaborating with risk teams, relationship managers and senior leadership to drive high-quality credit decisions.

You will develop underwriting standards, guide teams, and ensure compliance with regulatory requirements while staying informed on industry changes affecting the technology sector.