General FunctionThe Commercial Senior 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. They are directly accountable for managing a portfolio of accounts through updated financial statements, proactive monitoring, and interaction with the Credit Analyst. PMs are responsible for risk, openly exchanging ideas and opinions, elevating concerns, and following policies and procedures. They must always act in the best interest of customers and colleagues, ensuring a positive customer experience while operating within the Bank's risk appetite.Essential Duties and ResponsibilitiesAccountable for managing a portfolio of accountsReview and recommend credit decisionsPartner 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, determine deal structure, credit terms, conditions, financial covenants, and collateral valueGenerate commitment lettersProvide business partners with credit lending policy interpretationPerform final risk rating analysisCapture and document credit decisions, conditions, and modificationsCollaborate with the Credit Analyst to perform portfolio management duties such as establishing and maintaining an investor group on the lender portal, performing monitoring actions, and conducting periodic deal review to renew or modify dealsCommunicate directly with clients regarding credit events and actions as neededWork independently to pitch the most complex deal structuresFocus on continuous learning to keep up with changing market dynamicsServe as a subject‑matter expert and mentor to junior PMs and Credit AnalystsLeverage expertise to provide partners insights into the Bank's business lines and related economicsSupervisory ResponsibilitiesProvide employees timely, candid, and constructive performance feedback. Develop employees to their fullest potential, offer challenging opportunities to enhance career growth, and plan the talent pool to ensure adequate bench strength and succession planning.Minimum Knowledge, Skills and AbilitiesBachelor's degree in Business (e.g., Business Administration, Finance, or Accounting)At least 8 years of credit analysis and/or loan review experience in Commercial BankingHighly proficient analytical, critical thinking, and communication skillsProfessional client‑facing presenceExperience managing a complex commercial client portfolioAbility to partner with all deal stakeholders, including clients, relationship managers, and credit teamsExpertise in financial and risk analysis, including financial modelingDemonstrated problem‑solving expertiseProficiency with technology and ability to learn new applicationsSome travel requiredBenefitsOur total rewards include comprehensive benefits and differentiated compensation offerings to support the physical, financial, emotional, and social well‑being of employees and their families.LocationAtlanta, Georgia 30326Equal Employment Opportunity StatementFifth 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
