At Fortis Bank, we empower our team to make a tangible impact in a progressive, less bureaucratic environment. We are hiring a Commercial Portfolio Management Team Lead who will not only manage a portfolio of commercial banking relationships but also lead and develop a team of Portfolio Managers. You will be pivotal in converting loan opportunities and delivering outstanding client solutions through collaboration with Commercial Bankers and Relationship Managers.
What You'll Do
- Manage a portfolio of commercial banking clients, ensuring strong credit quality and adherence to underwriting standards.
- Partner closely with Commercial Bankers, Relationship Managers, and clients to understand needs, structure financing solutions, and manage loan renewals.
- Drive an exceptional client experience through responsiveness, proactive communication, and high-quality lending solutions.
- Perform in-depth financial analysis, risk assessment, and credit structuring for complex commercial lending relationships.
- Monitor portfolio performance, identify early warning signs of credit deterioration, and implement proactive risk mitigation strategies.
- Conduct monthly, quarterly, and/or annual reviews of loan covenants and financial data for all loans within your assigned portfolio.
- Provide ongoing review of credit quality, changes in risk, compliance with loan covenants, and adherence to bank credit policy.
- Proactively manage credit risk and exposure, monitor collateral, initiate changes in risk ratings, and manage modifications of loan terms.
- Integrate and reconcile data from multiple systems to produce accurate portfolio reporting.
- Lead and mentor a team of Commercial Portfolio Managers, providing guidance on credit analysis, risk assessment, and portfolio management best practices.
- Develop, maintain, and enhance portfolio-level dashboards to monitor risk ratings, covenant compliance, and pipeline activity.
- Drive process improvement through automation and integration of portfolio data across systems.
- Set performance goals, conduct regular coaching sessions, and provide constructive feedback to drive professional growth.
- Develop and implement training programs to enhance team capabilities and ensure consistency in credit underwriting and risk monitoring.
- Foster a culture of collaboration, accountability, and continuous improvement within the team.
- Partner with senior leadership to enhance portfolio management processes, risk frameworks, and client service standards.
- Foster a collaborative relationship between Portfolio Managers and the Commercial Loan Administration team to generate loan documents and closing packages.
What We're Looking For
- 10-12+ years of credit portfolio management experience.
- Experience taking the lead on proposing appropriate terms and financial covenants based on identified key risks.
- Experience underwriting a broad range of C&I transactions across various industries.
- 3-5+ years of prior leadership or mentorship experience, with a passion for coaching and developing talent.
- Strong working knowledge of financial statements and accounting standards.
- Robust experience with credit policies, with completion of a formal commercial credit training program.
- Advanced proficiency in Excel, including complex formulas and data modeling.
- Strong organizational, time management, and problem-solving skills, with the ability to quickly grasp concepts and processes with limited guidance.
- Must be able to work in a team environment with the ability to interact well, and in a positive manner, with co-workers, external clients, and management.
Nice to Have
- Bachelor’s degree in Finance or Accounting strongly preferred.
- MBA, CPA, or CFA strongly preferred.
- Experience with projecting financial performance and using discounted cash flow analysis to determine enterprise value.
- Must be comfortable working with complex computer operating systems (nCino experience a plus).
Technical Stack
- Excel
- nCino
Team & Environment
You will lead a team of Commercial Portfolio Managers, partnering closely with Commercial Bankers, Relationship Managers, and senior leadership. Our culture believes in hiring people greater than ourselves and rewards individuals who make an outsized impact. We combine passion, hard work, and proactive thinking to empower both our clients and each other.
Work Mode
This is an onsite position with locations in Denver, Colorado and Utah.
Fortis Bank is an equal opportunity employer.
