Portfolio Manager II bb

Opportunity

The Portfolio Manager is part of the credit management team focused on the long-term risk-adjusted returns for the bank within the assigned business segment and/or geographic area(s). This individual manages a sub‑set of existing credits and is a key partner in the origination of new credits.

• Underwrite and portfolio manage Business Banking clients – typically privately held companies with annual revenues ranging up to $50 million across a wide range of industries and geographies.
• Formulate and recommend credit and banking solutions to clients to support working capital.
• Provide comprehensive credit recommendations and presentations to key risk partners related to prospects and existing clients of the bank (including moderate to complex new credit structures, modifications, and extensions) based on a comprehensive review of the borrower(s) and guarantor(s)' financials (which may include current and historical financial statements, tax returns, projections and/or cash flow proformas).
• Present credit recommendations within the bank's risk appetite and framework and follow the bank's policies, processes and procedures.
• Respond to clients' credit needs with an elevated level of client service and credit acumen to address their needs appropriately and timely.
• Oversee and manage its portfolio, including timely risk rating assessments, reporting covenants, covenant compliance, and preparation of quarterly and annual reports.

• Mentor junior colleagues and foster a culture of continuous improvement and professional growth.
• Own and manage an assigned credit portfolio, ensuring alignment with organizational goals and risk management practices.
• Conduct credit analysis, prepare underwriting memorandums and approval documents for presentation to Credit Risk.
• Perform portfolio management activities to monitor and analyze portfolio performance, including periodic reviews and covenant tracking.
• Analyze credit data to support underwriting and creditworthiness assessments, including developing and presenting individual credit recommendations.
• Practice effective risk management, maintaining high standards of credit quality and origination in alignment with the bank’s credit risk appetite and compliance requirements.
• Collaborate with Relationship Manager(s) and cross-functional teams to manage credit account relationships and achieve strategic initiatives.
• Provide exceptional client service by maintaining professionalism and effectively interacting with clients to understand their needs and provide tailored credit solutions.

• Bachelor's Degree or equivalent in Finance, Business, or a related field.
• Minimum 5 years of progressively increasing credit underwriting and portfolio management experience in relevant industry or industries.

• Intermediate experience in credit management and lending operations with a strong understanding of risk management principles.
• Desire to build leadership and coaching skills, with the ability to train and develop talent.
• Strong communication and collaboration skills, with the ability to work effectively with senior leadership and cross-functional teams.
• Intermediate analytical skills, with the ability to interpret complex data and make informed decisions.
• Industry-specific knowledge and expertise.

Starting base salary: $44.28 – $75.42 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.

• Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date.
• Generous 401(k) company matching contribution.
• Career Development through Tuition Reimbursement and other internal upskilling and training resources.
• Valued Time Away benefits including vacation, sick and volunteer time.
• Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs.
• Career Mobility support from a dedicated recruitment team.
• Colleague Resource Groups to support networking and community engagement.

Since day…