Commercial Middle Market Senior Portfolio Manager

GENERAL FUNCTION: 

The Senior Portfolio Manager manages a portfolio through comprehensive financial analysis, forward-looking risk assessment, and proactive monitoring of borrower performance. The role includes regular client interaction, ownership of portfolio risk outcomes, and accountability for adherence to credit policy and regulatory guidelines, with a focus on early identification of emerging credit issues and portfolio level risks. As a senior member of the coverage team, the Senior Portfolio Manager partners closely with Relationship Managers and Credit Risk throughout the deal lifecycle, including credit structuring, pricing, risk ratings, and due diligence efforts. 

Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank's risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types. 

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ESSENTIAL DUTIES AND 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 (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 escalate 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