City National Bank
Overview
Portfolio Manager I - Charlotte, NC. The Portfolio Manager is part of the credit management team focused on the long-term risk-adjusted returns for the bank within the assigned business segment and/or geographic area(s). This individual manages a sub-set of existing credits and is a key partner in the origination of new credits. Note:
This description reflects responsibilities and qualifications as presented and should be used as a baseline for role clarity. What is the Opportunity / What Will You Do?
What is the Opportunity?
The Portfolio Manager provides comprehensive credit recommendations and presentations to key risk partners related to prospects and existing clients, including moderate to complex new credit structures, modifications, and extensions, based on a thorough review of borrower and guarantor financials (which may include current and historical financial statements, tax returns, projections and/or cash flow pro formas).
Present credit recommendations within the bank\'s risk appetite and framework, following policies, processes, and procedures.
Respond to clients\' credit needs with a high level of client service and credit acumen to address needs promptly.
Oversee and manage the portfolio, including timely risk rating assessments, reporting covenants, covenant compliance, and the preparation of quarterly and annual reports.
Responsibilities
Teamwork: Mentor junior colleagues, foster a culture of continuous improvement and professional growth.
Portfolio Management: Own and manage an assigned credit portfolio aligned with organizational goals and risk management practices, including underwriting all credit exposures, managing credit risk, and responding to prospective client inquiries.
Credit Analysis: Analyze credit data, perform underwriting to assess creditworthiness, and recommend appropriate structures to the Sales team and client. Prepare underwriting memorandums and approval documents for presentation to Credit Risk.
Performance Monitoring: Conduct portfolio management activities to monitor and analyze portfolio performance, including periodic reviews and covenant tracking.
Data Analysis: Analyze credit data to support underwriting and creditworthiness assessments, including developing and presenting individual credit recommendations.
Risk Management: Maintain high standards of credit quality and origination in alignment with the bank\'s credit risk appetite and regulatory requirements.
Collaboration: Partner with Relationship Manager(s) to manage credit account relationships. Work with cross-functional teams to ensure cohesive credit operations and support strategic initiatives. Participate in ad-hoc projects.
Middle Market: Serve middle market clients (typically privately held companies with annual revenues from $50 million to $1 billion) across industries and geographies. Provide customized credit and banking solutions to support working capital, capital expenditures, growth, acquisitions, and other needs. Operate within a relationship-focused model emphasizing risk management and long-term client partnerships.
Client Service: Provide exceptional client service by maintaining professionalism and interacting with clients to understand needs and provide tailored credit solutions. Participate in joint sales pitches with Relationship Manager(s).
Qualifications
Required Qualifications Bachelor\'s Degree or equivalent
Minimum 4 years of progressive credit underwriting and portfolio management experience in relevant industry/industries
Additional Qualifications Basic experience in credit management and lending operations, with a strong understanding of risk management principles
Desire to build leadership and coaching skills, with the ability to train and develop talent
Strong communication and collaboration skills, with the ability to work effectively with senior leadership and cross-functional teams
Basic analytical skills, with the ability to interpret complex data and make informed decisions
Industry-specific knowledge and expertise
What\'s In It For You?
Compensation Starting base salary: $41.83 - $66.81 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions. Benefits and Perks At City National, we strive to offer comprehensive benefits, including: Comprehensive healthcare coverage for Medical, Dental, and Vision plans, available the first of the month following start date
Generous 401(k) company matching contribution
Career development through Tuition Reimbursement and other internal upskilling resources
Time Away benefits including vacation, sick and volunteer time
Specialized health and family planning benefits including fertility support and programs for cancer, diabetes, and musculoskeletal health
Career Mobility support from a dedicated recruitment team
Colleague Resource Groups for networking and community engagement
Get a more detailed look at our Benefits and Perks. About Us
City National Bank has a long-standing history of helping clients, colleagues, and communities flourish. Founded in 1954, City National is a subsidiary of Royal Bank of Canada, a leading diversified financial services company. To learn more, visit our site. Inclusion and Equal Opportunity Employment
City National Bank is an equal opportunity employer. We do not discriminate on race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status, or other protected basis. It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment. This description does not guarantee employment and is subject to change. Careers site accepts applications on an ongoing basis, until filled.
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Portfolio Manager I - Charlotte, NC. The Portfolio Manager is part of the credit management team focused on the long-term risk-adjusted returns for the bank within the assigned business segment and/or geographic area(s). This individual manages a sub-set of existing credits and is a key partner in the origination of new credits. Note:
This description reflects responsibilities and qualifications as presented and should be used as a baseline for role clarity. What is the Opportunity / What Will You Do?
What is the Opportunity?
The Portfolio Manager provides comprehensive credit recommendations and presentations to key risk partners related to prospects and existing clients, including moderate to complex new credit structures, modifications, and extensions, based on a thorough review of borrower and guarantor financials (which may include current and historical financial statements, tax returns, projections and/or cash flow pro formas).
Present credit recommendations within the bank\'s risk appetite and framework, following policies, processes, and procedures.
Respond to clients\' credit needs with a high level of client service and credit acumen to address needs promptly.
Oversee and manage the portfolio, including timely risk rating assessments, reporting covenants, covenant compliance, and the preparation of quarterly and annual reports.
Responsibilities
Teamwork: Mentor junior colleagues, foster a culture of continuous improvement and professional growth.
Portfolio Management: Own and manage an assigned credit portfolio aligned with organizational goals and risk management practices, including underwriting all credit exposures, managing credit risk, and responding to prospective client inquiries.
Credit Analysis: Analyze credit data, perform underwriting to assess creditworthiness, and recommend appropriate structures to the Sales team and client. Prepare underwriting memorandums and approval documents for presentation to Credit Risk.
Performance Monitoring: Conduct portfolio management activities to monitor and analyze portfolio performance, including periodic reviews and covenant tracking.
Data Analysis: Analyze credit data to support underwriting and creditworthiness assessments, including developing and presenting individual credit recommendations.
Risk Management: Maintain high standards of credit quality and origination in alignment with the bank\'s credit risk appetite and regulatory requirements.
Collaboration: Partner with Relationship Manager(s) to manage credit account relationships. Work with cross-functional teams to ensure cohesive credit operations and support strategic initiatives. Participate in ad-hoc projects.
Middle Market: Serve middle market clients (typically privately held companies with annual revenues from $50 million to $1 billion) across industries and geographies. Provide customized credit and banking solutions to support working capital, capital expenditures, growth, acquisitions, and other needs. Operate within a relationship-focused model emphasizing risk management and long-term client partnerships.
Client Service: Provide exceptional client service by maintaining professionalism and interacting with clients to understand needs and provide tailored credit solutions. Participate in joint sales pitches with Relationship Manager(s).
Qualifications
Required Qualifications Bachelor\'s Degree or equivalent
Minimum 4 years of progressive credit underwriting and portfolio management experience in relevant industry/industries
Additional Qualifications Basic experience in credit management and lending operations, with a strong understanding of risk management principles
Desire to build leadership and coaching skills, with the ability to train and develop talent
Strong communication and collaboration skills, with the ability to work effectively with senior leadership and cross-functional teams
Basic analytical skills, with the ability to interpret complex data and make informed decisions
Industry-specific knowledge and expertise
What\'s In It For You?
Compensation Starting base salary: $41.83 - $66.81 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions. Benefits and Perks At City National, we strive to offer comprehensive benefits, including: Comprehensive healthcare coverage for Medical, Dental, and Vision plans, available the first of the month following start date
Generous 401(k) company matching contribution
Career development through Tuition Reimbursement and other internal upskilling resources
Time Away benefits including vacation, sick and volunteer time
Specialized health and family planning benefits including fertility support and programs for cancer, diabetes, and musculoskeletal health
Career Mobility support from a dedicated recruitment team
Colleague Resource Groups for networking and community engagement
Get a more detailed look at our Benefits and Perks. About Us
City National Bank has a long-standing history of helping clients, colleagues, and communities flourish. Founded in 1954, City National is a subsidiary of Royal Bank of Canada, a leading diversified financial services company. To learn more, visit our site. Inclusion and Equal Opportunity Employment
City National Bank is an equal opportunity employer. We do not discriminate on race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status, or other protected basis. It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment. This description does not guarantee employment and is subject to change. Careers site accepts applications on an ongoing basis, until filled.
#J-18808-Ljbffr