Wholesale Portfolio Management Officer

Overview

The Wholesale Portfolio Management Officer III is responsible for supporting the ongoing management, monitoring, and risk assessment of the Bank's commercial loan portfolio. This includes conducting periodic portfolio reviews, analyzing borrower financial performance, identifying and escalating emerging risks, supporting client relationship teams with credit-related insights, and ensuring portfolio compliance with internal credit policies and regulatory guidelines. The role requires exercising independent judgment and discretion in evaluating credit quality and portfolio trends. Officers play a critical role in maintaining the quality, compliance, and profitability of the Bank's wholesale lending portfolio.

Responsibilities

• Independently conduct regular portfolio monitoring to assess credit quality, validate risk rating accuracy, and ensure compliance with loan covenants and credit policy.
• Analyze borrower financial statements, performance metrics, and industry conditions to identify early warning signs of credit deterioration and recommend appropriate actions.
• Prepare comprehensive portfolio reviews and borrower risk assessments, escalating material credit issues to management based on sound judgment.
• Independently manage complex borrower relationships and loan structures, applying advanced credit knowledge and exercising discretion with minimal supervision.
• Utilize in-depth expertise in wholesale lending, risk evaluation, and policy compliance to support portfolio oversight and strategic credit decisions.
• Collaborate with Relationship Managers, Underwriters, and Risk Officers to recommend risk mitigation strategies and ensure alignment with overall portfolio objectives.
• Track and report key risk indicators (KRIs) and emerging portfolio trends to senior management, contributing to proactive risk management.
• Mentor junior officers and analysts by providing training, guidance, and peer reviews of financial analyses and risk assessments.
• Support internal audits and regulatory examinations by preparing and delivering accurate portfolio data, reporting, and documentation.
• Ensure accurate, timely, and complete documentation within the Bank's portfolio management and risk systems.
• Adhere to all applicable credit, compliance, operational, and regulatory standards in daily responsibilities.
• Participate in special projects, credit portfolio initiatives, and cross-functional assignments as needed.

Qualifications

Education

Seniority level

Employment type

Job function

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