8+ years of underwriting and portfolio management experience in a regional commercial bank or larger institution.
Experience in Middle Market or Mid-Corporate sectors, particularly in Commercial & Industrial (C&I).
Bachelor's degree required, along with formal credit training.
Advanced proficiency in financial modeling, particularly in Excel.
Strong collaboration skills and a client-centric focus.
Responsibilities
Manage a complex portfolio with minimal supervision, demonstrating expert knowledge of clients and credits.
Conduct effective credit underwriting and risk administration, ensuring adherence to policies and financial analysis.
Structure, underwrite, and document new business, renewals, and modifications as the credit expert.
Anticipate portfolio problems and proactively develop solutions while managing competing priorities.
Maintain compliance with credit and risk policies, meeting all associated deadlines.
Provide direct client management support, resolving complex credit monitoring issues.
Stay updated on industry trends and share insights with team members.
Benefits
Opportunity for career growth with new challenges.
Collaborative work environment with internal partners.
Direct client interaction to resolve complex issues.
Exposure to a diverse range of complex credits.
Commitment to professional development and learning.
Full Job Description
Job Description
As a Middle Market Corporate Banking Portfolio Manager II, you will be responsible for credit underwriting, monitoring, and portfolio management of new and existing commercial banking relationships to ensure strong credit quality and achieve efficient internal processes to retain and expand customer relationships. Additionally, you will be responsible for prudent underwriting and effective credit and risk administration with particular emphasis on financial analysis/modeling, risk evaluation, ongoing portfolio maintenance activities, regulatory compliance, and customer support. In this role, you will manage a portfolio of the most complex credits and will be expected to perform your role responsibilities with limited supervision and exhibit expert knowledge of your clients/credits when interacting with peers, relationship managers, your team leader, and senior managers across departments. As part of our team, you're made ready for a fulfilling career with exciting new challenges and opportunities to stretch yourself.
Primary responsibilities include
Managing a portfolio of the most complex credits and performing the functions of the position with only periodic oversight and is expected to perform with very limited supervisory intervention.
Exhibit expert knowledge of clients/credits included in the portfolio when interacting with peers, Relationship Manager, team leader, and senior managers across departments/teams.
Effective credit underwriting, credit and risk administration with particular emphasis on adherence to credit policy and requirements, financial analysis/modeling, risk evaluation, ongoing portfolio maintenance activities, and client support as needed for an assigned portfolio.
Structuring, underwriting, and documenting new business, renewals, and modifications as the credit expert within the first line of defense.
Oversee assigned portfolio of credits and anticipate portfolio problems and take action to develop solutions, handling multiple demands and competing priorities.
Meet deadlines and schedules associated with maintaining portfolio compliance with credit and risk policies.
Provide client management support for assigned portfolio, maintaining a regular level of direct client interaction, and demonstrating ability to resolve the most complex issues related to credit monitoring and administration with client directly.
Understands and stays up to date with industry and market information related to assigned markets and customers. Shares insights and learnings with other RMs and PMs.
Qualifications, Education, Certifications and/or Other Professional Credentials
Required Qualifications
8+ years underwriting and portfolio management experience with regional commercial bank or larger institution
Middle Market or Mid-Corporate experience in C&I
Bachelors degree required and formal credit training
4 days a week in office minimum.
Preferred Qualifications
Experience in financial modeling preferred in Excel with advanced user capability
Strong collaboration skills with internal partners and client-centric focus
Proven expertise in credit underwriting and portfolio management, with a strong track record of managing complex commercial banking relationships.
Advanced proficiency in financial analysis, credit modeling, and risk evaluation, with a deep understanding of regulatory compliance and credit policy adherence.
Demonstrated ability to independently manage a portfolio of high-complexity credits, exhibiting expert knowledge of client businesses and credit structures.
Strong analytical and problem-solving skills, with the ability to anticipate portfolio issues and develop strategic solutions.
Excellent communication and interpersonal skills, with the capacity to collaborate effectively across teams and engage directly with clients to resolve complex credit matters.
In-depth knowledge of industry trends and market dynamics, with a commitment to sharing insights and fostering team-wide learning.
Experience in structuring, underwriting, and documenting new credit opportunities, renewals, and modifications within a first line-of-defense framework.
Proven ability to meet deadlines and manage competing priorities in a fast-paced, client-focused environment.
