Portfolio Manager - Trade & Working Capital
Role Overview
The Portfolio Manager oversees the full credit lifecycle of Trade and Working Capital transactions, from deal structuring and approval through implementation and ongoing portfolio monitoring. They partner closely with Business Line Portfolio Management, Relationship Managers, Credit, Risk, Legal, and Operations to ensure transactions are appropriately structured, underwritten, approved, documented, and managed in accordance with internal credit policy and risk standards.
The role supports business growth by collaborating with Trade and Working Capital Sales & Origination and Sales Enablement & Program Management teams. They may assist in client discussions to provide portfolio management, credit, and risk perspectives, particularly for complex or structured transactions.
Key Responsibilities
Manage a portfolio of Trade & Working Capital Finance relationships in partnership with Business Line Portfolio Management, Relationship Managers, and Credit teams.
Oversee the credit approval process, coordinating with the Institutional Client Group (ICG) and Asset Based Finance Portfolio Management teams as applicable, to ensure transactions are structured and approved in accordance with internal credit policies and risk frameworks.
Support deal structuring, identify and resolve policy exceptions, and ensure all internal approval and documentation requirements are satisfied.
Participate in deal closings, including review of legal documentation and coordination with Operations to ensure accurate booking and efficient implementation of approved structures.
Respond to internal and external credit-related inquiries, providing timely analysis and support.
Support Trade & Working Capital Sales and Origination and Sales Enablement & Program Management teams with client needs, structuring questions, and portfolio related insights.
Contribute to revenue growth by supporting new business opportunities and expansion of existing relationships.
Produce and analyze portfolio reporting, metrics, and dashboards to deliver actionable insights on performance, risk, utilization, and growth trends for management and business partners leveraging Microsoft Office (with strong emphasis on Excel), Adobe, and proprietary systems such as Power BI, nCino, Salesforce, and Precision Lender (or similar tools).
Proactively monitor portfolio risk, identify emerging credit, counterparty, country, bank, or structural risks, and partner with Credit and Risk to escalate issues, recommend risk mitigants, and implement exposure or structure changes as needed.
Provide governance and execution oversight for AP supplier onboarding, funding requests, and LC confirmation and discounting activity, approving, or escalating requests as appropriate to ensure compliance with credit approvals, risk limits, and Trade & Working Capital policy.
Qualifications
Bachelor’s degree or equivalent work experience.
Eight or more years of relevant experience.
Preferred: Deep knowledge of Supply Chain Finance products; experience with traditional trade products is a plus. Strong understanding of legal documentation related to supply chain finance; ability to review and interpret legal documents (legal degree not required). Experience overseeing credit processes and collaborating with underwriting, legal, operations, and risk partners. Solid understanding of commercial or corporate credit, risk management principles, and credit policy. Strong analytical, organizational, and problem-solving skills, with diligence and sound judgement. Excellent written, verbal, and presentation skills. Advanced proficiency in Excel and Adobe; experience with reporting, analytics, and dashboard development is a plus.