CRE Credit Products Portfolio Manager Sr

About the Role

The Senior CRE Credit Products Portfolio Manager is a strategic advisor responsible for structuring, negotiating, and managing highly complex commercial credit relationships. This role influences credit strategy by providing deep market insights, proactive risk identification, and innovative deal structuring solutions. With extensive experience in credit analysis and portfolio management, this position ensures long-term portfolio health while supporting the bank’s growth objectives. Additionally, this role serves as a mentor and thought leader, developing junior credit professionals and shaping best practices in underwriting and risk management.

Responsibilities

• Complex Credit Structuring & Underwriting: Lead the structuring, analysis, and approval of highly complex credit transactions, ensuring risk is balanced with business needs.
• Portfolio Strategy & Risk Oversight: Proactively monitor portfolio risk, identifying industry trends and economic factors impacting credit quality.
• Client & Executive Leadership Engagement: Serve as a strategic partner to Relationship Managers (RMs) and senior leadership, offering expertise in credit negotiations and deal execution.
• Credit Agreement Negotiation: Work directly with clients, legal counsel, and internal teams to structure and negotiate credit agreements.
• Team Leadership & Mentorship: Mentor junior credit professionals, providing training and leadership in credit risk best practices.
• Proactively identify and raise improvement areas in credit processes and procedures to senior leadership.
• Use independent judgment and discretion to make decisions regarding the assigned portfolio.
• Analyze and resolve problems pertaining to the assigned portfolio.
• Perform special projects and additional duties as required.
• Consistently adhere to regulatory and compliance policies and standards, and complete required compliance trainings.

Requirements

• Education: Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field, or 12+ years of equivalent experience.
• Experience: 10+ years in commercial credit analysis/structuring, underwriting, portfolio management, and risk analysis.
• Deep expertise in structuring and negotiating complex credit agreements.
• Strong leadership skills with the ability to influence credit strategy and policy.
• In-depth understanding of macroeconomic factors and their impact on credit risk.
• Proven ability to manage large portfolios and advise senior executives.
• Exceptional communication and stakeholder management skills.
• Well-versed in legal documentation (e.g., Credit Agreements) and capable of developing junior associates, interacting with legal counsel, and negotiating with clients.

Qualifications

• Preferred Education: Master's Degree (or Postgraduate equivalent), MBA or CFA preferred.
• Job Competencies:
  • Strategic Credit Expertise: Deep knowledge of complex commercial lending structures, industry trends, and economic factors impacting credit risk.
  • High-Level Risk Oversight: Ability to assess portfolio risk at a macro level, identifying patterns and trends that inform credit strategy.
  • Client & Executive Engagement: Strong ability to interact with senior leadership, legal teams, and high-profile clients on structuring and negotiating credit agreements.
  • Deal Structuring & Negotiation: Expertise in negotiating complex loan terms, partnering with legal counsel and senior RMs to finalize agreements.
  • Leadership & Mentorship: Serves as a mentor to junior credit professionals, developing talent and fostering a strong credit culture.
  • Change Management & Innovation: Identifies opportunities for process improvement, technology adoption, and best practice implementation.
  • Regulatory & Policy Knowledge: Deep understanding of credit policies, compliance standards, and legal considerations in lending.
  • Executive-Level Communication: Ability to articulate complex credit decisions clearly and persuasively to internal and external stakeholders.
  • Relationship Building: Demonstrates a strong ability to build and maintain effective relationships with stakeholders, aligning efforts with enterprise goals.

Pay

Pay Range: $106,023.75 - $165,862.00

Location: New York, NY 10018