Portfolio Manager - Middle Markets C+I

Portfolio Manager (PM)Role SummaryThe Portfolio Manager (PM) is responsible for independent credit risk management and disciplined execution across the credit portfolio. This role oversees reviews, renewals, modifications, and ongoing portfolio monitoring, partnering closely with Relationship Managers and credit stakeholders to ensure portfolio quality, policy adherence, and proactive identification and management of credit risk.Key ResponsibilitiesQuarterback credit reviews by managing stakeholders to meet policy, governance, and timing requirementsApply risk-based criteria to qualify accounts, determine appropriate review scope, and assess eligibility for fast-track processesPerform credit underwriting and analysis, including cash flow analysis, collateral assessment, covenant testing, and evaluation of borrower performance trendsEngage with borrowers as needed to understand business performance, risk drivers, and potential credit deteriorationLead the renewal process, ensuring timely execution through proactive portfolio and pipeline planning with line-of-business leadershipDevelop proposed renewal structures, including pricing and term sheets, and perform detailed financial analysis and amortization modelingPrepare clear and comprehensive credit memoranda to support renewals, modifications, and approval decisionsAssess and underwrite credit modifications by evaluating materiality, credit impact, and appropriate risk mitigationMonitor ongoing credit performance by testing covenant compliance, maintaining and updating borrower risk ratings, and resolving exceptionsAnalyze borrowing base and collateral reporting to assess implications for credit exposure and overall risk profileProvide credit inputs and support for internal and external audits, examinations, and governance reviewsQualifications RequiredStrong credit judgment and risk acumen, with the ability to proactively identify emerging riskDemonstrated portfolio-level thinking and credit risk management disciplineProven end-to-end ownership and execution discipline across reviews, renewals, and modificationsAdvanced credit underwriting and financial analysis skills, including cash flow modeling and covenant analysisEffective stakeholder and borrower engagement skills with the ability to communicate complex credit concepts clearlyCompensationThe expected annual salary for this position is between $110,000 and $145,000 at the start of employment. A salary offer is determined on an individualized basis, taking into consideration factors such as an individual’s skills and experience. In addition to base salary, our total rewards package also includes eligibility for an annual bonus, medical, pharmacy, dental, and vision plans, life and disability insurance, employee wellness program, retirement and savings plans with employer contributions, generous holiday and paid time off schedules, parental leave, and tuition reimbursement.Additional InformationThe Bank will make reasonable accommodations to the following employees to allow them to perform the essential functions of their position, except where doing so would result in undue hardship to the Bank:Those with a known mental or physical disability.Pregnant individuals and/or individuals with pregnancy or childbirth-related medical conditions.Victims of domestic violence, sex offenses or stalking.Employees with religious observance and practice obligations.Any employee who believes he or she needs an accommodation for any of the above reasons should contact their supervisor or a member of Human Resources to request such an accommodation. In each case, the Bank will engage in a good faith written or oral dialogue concerning the individual’s accommodation needs; potential accommodations that may address the individual’s accommodation needs, including alternatives to a requested accommodation; and the difficulties that such potential accommodations may pose for the employer.The Bank retains the ultimate discretion to choose the appropriate reasonable accommodation. Upon reaching a final determination at the conclusion of the cooperative dialogue, the Bank will provide the requesting individual with a written final determination identifying any accommodation granted or denied. In addition, the Bank will maintain any information regarding the employee’s request and status in the strictest confidence, except as requested by the employee, as required on a need-to-know basis or as otherwise required by law.DisclaimerThe above statements are intended to describe the general nature and level of work being performed by people assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time, as needed.All your information will be kept confidential according to EEO guidelines.We are operating on a Hybrid schedule.NO AGENCIES PLEASE.IDB BANK, INCLUDING ITS SUBSIDIARIES AND DIVISIONS, PROVIDES EQUAL EMPLOYMENT OPPORTUNITIES TO ALL EMPLOYEES AND APPLICANTS FOR EMPLOYMENT WITHOUT REGARD TO RACE, COLOR, RELIGION, SEX, SEXUAL ORIENTATION, NATIONAL ORIGIN, AGE, DISABILITY, GENETIC STATUS, CITIZENSHIP STATUS, MARITAL STATUS, MILITARY OR VETERAN STATUS, CURRENT UNEMPLOYMENT OR ANY OTHER LEGALLY PROTECTED CATEGORY IN ACCORDANCE WITH APPLICABLE FEDERAL, STATE AND LOCAL LAW. NOTHING IN THIS SITE CONSTITUTES A PROMISE OR OFFER OF EMPLOYMENT.Kindly review our Privacy Notice and GLBA Consumer Privacy Notice.