Commercial Portfolio Manager

Portfolio Manager – Miami, FL

FinTrust Connect has partnered with a commercial banking institution to identify top talent for a Portfolio Manager opportunity. This role is ideal for an experienced commercial banking professional who can combine disciplined credit underwriting and portfolio management with strong client relationship support.

Why this opportunity?

• Culture: Client-focused, collaborative, accountable, and relationship-oriented, with an emphasis on sound risk management and strong service.

• Workplace: Hybrid in Miami, FL.

• Function: Lead credit underwriting and portfolio management activities for an assigned commercial banking portfolio while supporting renewals, closings, ongoing credit administration, risk controls, and client needs.

Requirements:

• Minimum of 5 years of Commercial Banking experience, including client relationship management and formal credit training.
• Experience in Commercial Middle Market and/or Mid-Corporate Banking.
• Experience managing the credit quality of a portfolio of commercial banking clients.
• Experience with loan structuring and business development.
• Strong understanding of financial statements and accounting principles, including valuation techniques and cash flow analysis.
• Degree or diploma in Business, Finance, Accounting, or a related field.

Preferred

• Completion of a Commercial Banking Training Program or equivalent.

Description:

• Underwrite and manage commercial credit relationships in alignment with established risk guidelines.
• Serve as a primary client resource for portfolio-related matters, reporting, maintenance, and new requests involving existing credit relationships.
• Lead renewal activities for existing clients in coordination with Relationship Managers.
• Participate in periodic client calls and visits for the assigned portfolio.
• Maintain pipeline activity for existing clients in Salesforce, including draws, increases, paydowns, and payoffs.
• Drive the loan closing process with internal closing resources and portfolio support partners.
• Monitor maturities, annual reviews, past-due payments, financial reporting, covenants, and loan document exceptions.
• Prepare portfolio monitoring and risk-management materials, including CAMP reports, quarterly trend reviews, FAS 114 analysis, SOX controls, and risk-rating updates.
• Review and respond to portfolio-related approval requests, including overdrafts, wires, ACH suspensions, borrowing-base availability, and loan advances.
• Review pricing grids and tickler reports to confirm applicable pricing and fees are reflected correctly.
• Coordinate onboarding activities, including deposit account opening and treasury management setup.
• Consult with Relationship Managers on appropriate cross-sell opportunities.
• Mentor and provide situational training support to Associates and Senior Associates.
• Maintain current market knowledge and client relationships through relevant industry participation.