Senior Portfolio Manager for Commercial Credit

3 weeks ago

New York, New York, United States M&T Bank Full time
Job Description

Evaluate and determine the credit risks of large, complex, and specialized commercial clients through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis, and the ability to repay annual debt service.

Manage the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities, enabling the timely identification of emerging credit risk so that appropriate actions can be taken to manage the risk, minimize losses, and assign an accurate risk rating.

A CCM program includes annual reviews, PLRs, Guarantor Assessments, interim update memos, a covenant monitoring program, problem loan management, early warning indicators, and other forms of credit surveillance.

Review all pertinent credit and financial information, including financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research, and peer data.

Analyze financial information and related materials and complete ongoing credit monitoring for the Bank's commercial transactions.

Risk assessment of customers is on an ongoing basis, with a focus on identifying emerging risks or material changes in customers' financial position, including evaluation of compliance with the loan agreement.

Analyses include an independent credit quality assessment for existing loans with well-supported risk rating rationale, identification of credit risks and mitigants, industry concerns, market trends, financial trends, and other pertinent credit issues.

Liaison between Commercial Banking Relationship Managers and the Underwriting Team for facilitating credit needs of customers, whether through new requests, modifications, or annual reviews/renewals.

Includes documenting and tracking of relevant information, reports, and memos to ensure necessary credit approvals are obtained, documented, and adhered to from fulfillment through closing and maintenance to maintain timely and accurate risk ratings for a portfolio of commercial credits.

Prepare financial models designed to sensitize various conditions impacting the proposed transaction, including cash flow, collateral schedules, covenant sensitivity calculations, financial models, and guarantor statement analysis as appropriate.

Monitor credit performance of customer portfolios and escalate or remediate, as appropriate.

Responsible for the timeliness of the monitoring activities and ensure credit policy compliance by verifying adherence of monitoring activities to the Commercial Credit Policy and evaluating any risk associated with non-compliance.

Present analysis or address questions during credit discussions or presentations.

May attend client calls with RMs to gain a thorough understanding of the client/prospect and their business to effectively assist in annual reviews, renewals, and ongoing monitoring activities.

Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.

Promote an environment that supports diversity and reflects the M&T Bank brand.

Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.

The Commercial Credit Portfolio Management Department is responsible for the ongoing monitoring process for the Bank's commercial loans to ensure timely and accurate credit risk ratings and compliance with both credit policy and loan agreements.

The position interacts with Commercial Relationship Managers and Group Managers throughout the bank's footprint, as well as other internal personnel, on credit monitoring of largest, most complex, and/or specialized loans.

Works independently with minimal supervision.

Management Responsibilities

Input into training of junior/newly hired Portfolio Managers.

Bachelor's degree in Accounting, Finance, Economics, or related field with 7 years of experience in complex credit underwriting, specialty underwriting, or other complex financial analysis role, or in lieu of degree, a combined minimum of 11 years' higher education and work experience, including 7 years of experience in complex credit underwriting, specialty underwriting, or other complex financial analysis role.

M&T Bank is committed to fair, competitive, and market-informed pay for our employees.

  • Senior Portfolio Manager for Commercial Credit

    3 weeks ago

    New York, New York, United States M&T Bank Full time

    Job SummaryAs a Senior Portfolio Manager for Commercial Credit at M&T Bank, you will be responsible for evaluating and determining the credit risks of largest, most complex and/or specialized commercial clients through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis and the ability to repay annual debt...

  • Senior Credit Portfolio Manager

    4 weeks ago

    New York, New York, United States Citigroup Inc Full time

    Credit Portfolio ManagementThe Credit Portfolio Management role is a senior-level position responsible for leading activities including credit review, credit approvals, and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi's portfolio exposure to client...

  • Senior Credit Risk Portfolio Manager

    4 weeks ago

    New York, New York, United States Scotiabank Full time

    pJob Summary/ppAs a Senior Credit Risk Portfolio Manager at Scotiabank, you will be responsible for creating, designing, and developing credit risk portfolio reporting tools to present U.S. Credit Risk portfolio information to senior management. You will also optimize and expand existing management information systems to provide robust day-to-day credit risk...

  • Portfolio Manager Associate

    3 weeks ago

    New York, New York, United States ReadyCap Commercial LLC Full time

    Job SummaryAs a Portfolio Manager Associate at ReadyCap Commercial LLC, you will oversee and manage an existing portfolio of commercial real estate loans. This role involves working directly with Credit and Underwriters to review loan requests, analyze financial data, and ensure timely customer responses.Key Responsibilities:Perform underwriting analysis to...

  • Senior Credit Portfolio Manager

    4 weeks ago

    New York, New York, United States Apollo Global Management, Inc. Full time

    Job Title: Senior Credit Portfolio ManagerAt Apollo Global Management, Inc., we're seeking a highly skilled Senior Credit Portfolio Manager to join our expanding Client Portfolio Management & Innovation team (CPMI). As a key member of our team, you will be responsible for developing and implementing strategic plans to drive growth and profitability in our...

  • Senior Credit Portfolio Officer

    3 weeks ago

    New York, New York, United States Citigroup Inc Full time

    The Credit Portfolio Senior Officer I is a senior-level position responsible for leading activities including credit review, credit approvals and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi's portfolio exposure to client and counterparties...

  • Senior Credit Portfolio Manager

    3 weeks ago

    New York, New York, United States Tandym Group Full time

    A leading financial services organization in the industry is seeking a highly skilled and experienced professional to fill the role of Senior Credit Portfolio Manager.Key Responsibilities:Prepare and review fund capital calls and distributions, including investor calculations and notices.Manage and coordinate fund audits for assigned funds, including...

  • Portfolio Management Analyst

    4 weeks ago

    New York, New York, United States ReadyCap Commercial LLC Full time

    Job SummaryTo manage and oversee an existing portfolio of commercial real estate loans, ensuring timely and accurate analysis and decision-making. This role will work closely with credit and underwriting teams to review loan requests, analyze financial data, and provide management reports on portfolio performance.Key ResponsibilitiesSupport underwriting...

  • Portfolio Manager

    3 weeks ago

    New York, New York, United States Piermont Bank Full time

    About UsPiermont Bank is a tech-enabled digital commercial bank founded in 2019 with a mission of changing the face and pace of banking. It provides an unprecedented experience that blends the best of banking and agile Fintechs. At Piermont, we are purpose-driven, and focused on creating and delivering banking products relevant to today's digital economy. We...

  • Commercial Portfolio Manager

    4 weeks ago

    New York, New York, United States Amalgamated Bank of NY Full time

    Job Title: Commercial Portfolio Manager IIIThe Commercial Portfolio Manager III is a critical role within our Commercial Banking team, responsible for managing existing loan relationships in collaboration with a Commercial Banker. This position requires a proactive banker with strong credit acumen, excellent communication skills, and the ability to...

  • Commercial Portfolio Manager

    4 weeks ago

    New York, New York, United States Amalgamated Bank Full time

    Job SummaryThe Commercial Portfolio Manager III is responsible for managing existing loan relationships in collaboration with a Commercial Banker. This role requires a proactive banker with strong credit acumen, excellent communication skills, and adroit customer relationship management.Key ResponsibilitiesProvide ongoing daily management of a growing...

  • Senior Commercial Credit Officer

    4 weeks ago

    New York, New York, United States Citizens Full time

    Job Title: Sr. Commercial Credit OfficerCitizens is seeking a highly skilled Sr. Commercial Credit Officer to join our team in the New York Metro Region. This role is a key leadership position that requires strong risk identification, assessment, and mitigation skills, as well as expertise in line of business and decision-making.Key Responsibilities:Develop...

  • Credit Portfolios Director

    2 weeks ago

    New York, New York, United States Citigroup Inc Full time

    The Credit Portfolios Director is a senior-level position responsible for leading activities including credit review, credit approvals and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi's portfolio exposure to client and counterparties globally.

  • Commercial Portfolio Manager

    3 weeks ago

    New York, New York, United States Amalgamated Bank of NY Full time

    Job SummaryThe Commercial Portfolio Manager III is responsible for managing existing loan relationships in collaboration with a Commercial Banker. This role requires a proactive banker with strong credit acumen, excellent communication skills, and the ability to effectively prioritize multiple requests and meet tight deadlines.Key ResponsibilitiesPortfolio...

  • Commercial Portfolio Manager

    4 weeks ago

    New York, New York, United States Amalgamated Bank of NY Full time

    Job SummaryThe Commercial Portfolio Manager III is a key member of our team, responsible for managing existing loan relationships in collaboration with a Commercial Banker. This role requires a proactive banker with strong credit acumen, excellent communication skills, and the ability to effectively prioritize multiple requests and meet tight deadlines.Key...

  • Senior Portfolio Manager, Commercial and Industrial Lending

    4 weeks ago

    New York, New York, United States BHI Full time

    Job SummaryBHI is seeking a highly skilled Portfolio Manager to join our team in New York. As a key member of our Commercial and Industrial Lending team, you will be responsible for managing a portfolio of loans and working closely with our Credit Analysis Unit and Relationship Managers to ensure the health and growth of our clients' businesses.Key...

  • Credit Portfolio Manager

    4 weeks ago

    New York, New York, United States Hammer Search Partners LLC Full time

    Job Title: Credit Portfolio Manager Job Summary We are seeking an experienced Credit Portfolio Manager to join our team at Hammer Search Partners LLC. As a key member of our Portfolio Management team, you will be responsible for credit analysis, reporting, and monitoring of syndicated bank loan portfolios. Responsibilities * Conduct thorough credit...

  • Senior Portfolio Manager

    4 weeks ago

    New York, New York, United States Man Group plc Full time

    Job SummaryWe are seeking a highly skilled and experienced professional to join our team as a Senior Portfolio Manager. In this role, you will be responsible for maintaining our CRM system, client records, and pipeline, as well as coordinating ad hoc requests and ongoing reporting to senior management.You will also support our US Institutional Sales team on...

  • Credit Portfolio Manager

    4 weeks ago

    New York, New York, United States cesna Full time

    Job DescriptionWe are seeking a detail-oriented Credit Administration Assistant to support our credit administration team. This entry-level position is ideal for a bilingual individual proficient in Korean and English, eager to start a career in credit administration and portfolio management.Key Responsibilities:Assist in the ongoing review and management of...

  • Credit Portfolio Manager II, Middle Market

    2 weeks ago

    New York, New York, United States TD Bank, N.A. Full time

    Job Summary:The Credit Portfolio Manager II, Middle Market is a critical role in TD Securities that requires exceptional financial analysis and credit decision-making skills. This individual will be responsible for managing a designated portfolio of Middle Market commercial loans, ensuring all aspects of compliance with loan agreements, regulatory...