Commercial Banking Portfolio Manager

• Research complex credit investigations and diverse credit information for loans
• Identify opportunity for process improvements within scope of responsibilities or functional area
• Review and identify basic operational assignments that require research, evaluation, and selection of alternatives while exercising independent judgement to guide medium risk deliverables
• Present recommendations for resolving complex situations and exercise independent judgement while developing expertise in the function, policies, procedures, and compliance requirements
• Collaborate and consult with functional colleagues, internal partners, and stakeholders including internal as well as external customers
• Evaluate financial performance of companies / borrower / guarantor / commercial real estate asset class based on a variety of factors including past and current performance, management projections and market changes over the time period
• Review of various financial statements, such as balance sheet, income statement, cash flows, and statement of changes in equity
• Perform market research using various third party applications and compare performance of borrowing entity against market data to draw conclusion of overall performance
• Determine appropriate risk rating, both qualitative and quantitative based on performance during the review time period and compare it against bank's credit guidelines
• Document and synthesize findings based on above mentioned reviews into a credit report which would be for presented to lending officers and / or approval committees
• Understand the feedback received from the reviewers and implement the same in their day to day work
• Quality check of work performed by junior team members and provide appropriate feedback on the same

• 2+ years of Commercial Banking Portfolio Management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
• MBA (Finance /Banking), Cost and Management Accountancy, Chartered Accountancy or post- graduation in Economics
• 2+ years of overall commercial credit experience across diversified asset class (includes corporate entities and real estate asset class)
• Good knowledge on financial statements for various industries with ability to ascertain trends, ratios and call out key risks when compared to benchmarks (historical and industry performance)
• Good knowledge of Discounted Cash Flow, Comparable Company, and Precedent Transaction analysis
• Experience in assessing credit worthiness of borrower based on various qualitative and quantitative factors
• Excellent communication skills, with special focus on business writing skills for credit reports
• Ability to read, comprehend and synthesize data regarding borrower performance / market related information from multiple sources into one prescribed template
• Intermediary to advanced excel skills would be a plus
• Understanding and Application of AI Tools: Ability to leverage AI platforms (e.g., Microsoft Copilot, GitHub Copilot, Tachyon, Agentspace) for routine tasks such as summarizing information, drafting content, and analyzing data, while maintaining human oversight
• Critical Thinking: Ability to interpret AI outputs, validate insights, and make informed business decisions
• Responsible AI Use: Awareness of ethical considerations, data privacy, and compliance when using AI solutions
• Adaptability and Continuous Learning: Commitment to upskilling and staying current with emerging technologies

Intermediary to advanced excel skills would be a plus