Job Description

Commercial Portfolio Manager –Richmond, VA

FinTrust Connect has partnered with a well-capitalized regional banking institution to identify top talent for a Commercial Portfolio Manager opportunity supporting Middle Market commercial banking relationships. This role is ideal for an experienced credit professional who combines strong underwriting judgment, financial analysis expertise, and disciplined portfolio management skills.

Why this opportunity?

• Culture: Collaborative, high-performing environment focused on sound credit practices, client service, accountability, and professional development
• Workplace: Hybrid in Richmond, VA
• Function: Manage and underwrite a portfolio of Middle Market commercial credit relationships while supporting prudent risk management and the credit approval process

Requirements:

• Bachelor's degree in Finance, Accounting, Business Administration, or a related discipline
• 7–10 years of experience in commercial credit analysis, business banking, or commercial banking
• Minimum of 3 years of portfolio management and/or underwriting experience supporting Middle Market clients
• Strong knowledge of commercial loan structuring, credit documentation, accounting principles, cash flow analysis, collateral evaluation, and lending regulations
• Experience preparing financial spreads, global cash flow analyses, credit memoranda, annual reviews, and commercial loan packages
• Demonstrated ability to evaluate repayment capacity, guarantor strength, collateral coverage, covenant compliance, and overall credit risk
• Strong written and verbal communication, organization, analytical judgment, and interpersonal skills
• Ability to manage competing priorities, maintain accuracy, and perform effectively in a deadline-driven environment
• Working knowledge of BSA/AML, CIP, OFAC, fair lending, and other applicable banking regulations

• Manage the ongoing credit quality and administration of assigned Middle Market commercial banking relationships.
• Analyze new loan requests, renewals, modifications, and existing credit exposures.
• Prepare comprehensive credit memoranda, financial spreads, global cash flow analyses, and commercial loan approval packages.
• Evaluate proposed loan structures, repayment sources, collateral support, guarantor capacity, covenant requirements, and overall transaction risk.
• Assign and maintain accurate risk grades in accordance with established credit policy and portfolio monitoring standards.
• Guide commercial loan requests through the underwriting and credit approval process, addressing questions and documentation needs as they arise.
• Conduct annual reviews and monitor financial reporting requirements, covenant compliance, documentation exceptions, past-due credits, and emerging risk indicators.
• Maintain complete and accurate credit files while ensuring adherence to internal policies and applicable lending regulations.
• Partner closely with Relationship Managers, Credit Administration, Loan Operations, Compliance, and other internal stakeholders.
• Support the preparation of client presentations and participate in customer or prospect meetings as needed.
• Identify changes in borrower performance, industry conditions, or collateral position and recommend appropriate risk-mitigation strategies.
• Report to commercial credit leadership and provide timely portfolio updates, risk assessments, and escalation of material credit concerns.