Senior Commercial Portfolio Manager

GENERAL FUNCTION

The Portfolio Manager is a key member of the "coverage team", managing transactions and business portfolio tasks. PMs are expected to be intimately involved in the deal process, making recommendations on appropriate credit structures, pricing, etc. PMs are directly accountable for managing a portfolio of accounts through their review of updated financial statements, proactive monitoring, and interaction with the Credit Analyst. They are 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 ensuring that actions and behaviors drive a positive customer experience. While operating within the Bank's risk appetite, they achieve results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.

ESSENTIAL DUTIES AND RESPONSIBILITIES

Accountable for managing a portfolio of accounts. Review and recommend credit decisions. Partner with the Relationship Manager, forming the "coverage team" to meet with clients, participate in business development calls, assess prospective client viability for credit, define borrowers and guarantors, deal structure, credit terms and conditions, and financial covenants; value collateral. Generate commitment letters. Provide business partners with credit lending policy interpretation. Perform final risk rating analysis. Capture and document credit decisions, conditions, and modifications. Collaborate with the Credit Analyst to establish and maintain Investor Group on lender portal, perform monitoring actions, conduct periodic deal reviews and execute decisions to renew or modify deals. Communicate directly with clients regarding credit events and actions as needed. Work independently to pitch the most complex deal structures. Maintain a focus on continuous learning to keep up with ever‑changing market dynamics. Serve as a subject‑matter expert, mentor to more junior PMs and Credit Analysts. Leverage expertise to provide partners insights into the Bank's different lines of business and the related economics.

SUPERVISORY RESPONSIBILITIES

Responsible for providing employees timely, candid and constructive performance feedback, developing employees to their fullest potential and providing challenging opportunities that enhance employee career growth; developing the appropriate talent pool to ensure adequate bench strength and succession planning; recognizing and rewarding employees for accomplishments.

MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED

Bachelor's degree in Business (e.g., Business Administration, Finance, or Accounting). At least 8 years credit analysis and/or loan review experience in Commercial Banking. Highly proficient analytical skills, critical thinking and communication skills. Professional presence (client‑facing). Experience managing an advanced commercial client portfolio with a great deal of complexity. Ability to partner with all deal stakeholders including clients, relationship managers and credit teams. Expertise in financial and risk analysis, including financial modeling. Demonstrated expertise in using effective problem‑solving. Proficient with technology and ability to learn new applications. Normal office environment with little exposure to dust, noise, temperature and the like. Extended viewing of a CRT screen. Some travel required.

JOB TITLE

Senior Commercial Portfolio Manager

LOCATION

Fort Lauderdale, Florida 33301

BENEFITS

The base salary for this position reflects the range of salary levels for all roles within this pay grade across the U.S. Individual salaries within this range vary based on factors such as role, relevant skillset, experience, education and geographic location. In addition to base salary, this role is eligible to participate in an incentive compensation plan, with any such payment based upon company, line of business and/or individual performance. Our extensive benefits programs support the physical, financial, emotional and social well‑being of employees and their families.

EEO STATEMENT

Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status. #J-18808-Ljbffr Fifth Third Bank, N.A.