Portfolio Manager - Middle Market Commercial Banking

We’re building a relationship-oriented bank for the modern world. We need talented, passionate professionals who are dedicated to doing what’s right for our clients.

At CIBC, we embrace your strengths and your ambitions, so you are empowered at work. Our team members have what they need to make a meaningful impact and are truly valued for who they are and what they contribute.

To learn more about CIBC, please visit CIBC.com (

What You’ll Be Doing

The Portfolio Manager will ensure objectives related to credit underwriting and internal portfolio management are met, in addition to supporting the workflow of the Commercial Team of Relationship Managers and commercial lending associates.

At CIBC we enable the work environment most optimal for you to thrive in your role.  You’ll have the flexibility to manage your work activities within a hybrid or remote work arrangement.

How You'll Succeed

• Portfolio Management & Credit Oversight:

• Maintain and deepen partnerships across business functions to support client needs and business objectives, while maintaining high credit standards.

• Address upcoming maturities and annual reviews on time; help remediate payment past dues

• Ensure all customer financial reporting / covenants are collected on time

• Support closing team to ensure collection of outstanding loan document exceptions

• Follow up on past due real estate taxes / insurance certificates to clear exceptions

• Prepare CAMP reports and quarterly trend cards / reviews

• Prepare FAS 114 memo / analysis

• Complete quarterly SOX controls and ensure accurate risk ratings at all times for covered portfolio

• Respond to approval requests for overdrafts, manual wires, NSF wires, ACH suspensions, etc.

• Review borrowing base availability and approve loan advances

• Perform loan structuring in support of underwriting and credit approval

• Coordinate onboarding, deposit account opening and TM setup activities

• Guide deals through the credit approval process.

• Advise on credit actions related to the existing portfolio, including structuring, waivers, and modifications.

• Deal Execution & Guidance:

• Provide expert guidance on deal structuring through to approval and closing.

• Ensure all transactions align with CIBC’s risk appetite and credit policies.

• Leverage external tools like CapitalIQ, FactSet, Moody’s Risk Analyst and Excel along with CIBC”s proprietary tools, to model financial statements, generate credit ratings, and analyze the creditworthiness of a borrower.

• Process Improvement and Best Practices

• Identify opportunities to improve efficiency, accuracy, and quality in credit analysis and package preparation processes.

• Contribute to the development and implementation of credit policies, procedures, and training materials.

• Client and Internal Stakeholder Engagement

• Work closely with analysts, relationship managers, clients, and internal partners to gather relevant information and ensure timely delivery of credit submissions.

Who You Are

• Advanced Credit Underwriting Expertise

• 7+ years experience proven ability to underwrite complex commercial credit transactions, including large public companies and sponsor-backed deals.

• Deep understanding of financial statement analysis, cash flow modeling, and risk assessment for a variety of industries and deal structures.

• Experience with Diverse Transaction Types

• Demonstrated experience structuring and analyzing credit for large corporates, mid-market companies, and transactions involving private equity sponsors or leveraged buyouts.

• Familiarity with syndicated loans, acquisition financing, and other sophisticated lending solutions.

• Analytical and Problem-Solving Skills

• Strong quantitative and qualitative analytical skills to identify key credit risks and opportunities.

• Ability to synthesize complex information and present clear, actionable recommendations.

• Communication and Presentation Skills

• Excellent written and verbal communication skills for preparing credit packages, presenting recommendations, and engaging with internal and external stakeholders.

• Ability to articulate complex credit issues and defend recommendations to credit committees or senior management.

• Regulatory and Compliance Knowledge

• Thorough understanding of regulatory requirements, internal policies, and risk management frameworks relevant to commercial credit.

• Commitment to maintaining documentation and processes that meet audit and compliance standards.

• Technical Proficiency

• Advanced proficiency in financial modeling, Excel, and credit analysis tools.

• Familiarity with credit scoring systems and portfolio management software.

At CIBC, we offer a competitive total rewards package. This role has an expected salary range of $120,000 - $160,000 for the market based on experience, qualifications, and location of the position. The successful candidate may be eligible to participate in the relevant business unit’s incentive compensation plan, which may also include a discretionary bonus component. CIBC offers a full range of benefits and programs to meet our employee’s needs; including Medical, Dental, Vision, Health Savings Account, Life Insurance, Disability, and Other Insurance Plans, Paid Time Off (including Sick Leave, Parental Leave and Vacation), Holidays and 401(k), in addition to other special perks reserved for our team members.

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At CIBC, your goals are a priority. We start with your strengths, ambitions and strive to create opportunities to tap into your potential.

What you need to know

• CIBC is committed to creating an inclusive environment where all team members and clients feel like they belong. We seek applicants with a wide range of abilities and we provide an accessible candidate experience. If you need accommodation, please contact View email address on click.appcast.io

• You need to be legally eligible to work at the location(s) specified above and, where applicable, must have a valid work or study permit.

• We may ask you to complete an attribute-based assessment and other skills tests (such as simulation, coding, MS Office). Our goal for the application process is to get to know more about you, all that you have to offer, and give you the opportunity to learn more about us.

Expected End Date

2026-08-14

Job Location

FL-Miami, 2811 Ponce De Leon Blvd, Ste 510

Employment Type

Regular

Weekly Hours

40

Skills

Analytical Thinking, Credit Negotiations, Decision Making, Ensure Compliance, Relationship Building, Risk Assessments, Risk Management and Mitigation, Underwriting

At CIBC, we are in business to help our clients, employees and shareholders achieve what is important to them. Our ability to create value for all CIBC stakeholders is driven by a business culture based on common values: Trust, Teamwork and Accountability.

Working with CIBC makes you a part of a work environment committed to our clients, employees and communities - a place where you can excel.

Every day, our 48,000 employees help our clients achieve their financial goals, because what matters to our clients, matters to us.