Portfolio Manager – Trade & Working Capital

Role Overview

• 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.
• Function as a trusted advisor on Trade & Working Capital credit policy interpretation, ensuring consistent application across transactions and supporting governance, exception management, and policy refinement efforts.
• Support regulatory exams, internal audits, and credit risk reviews by coordinating data, documentation, and responses, and partnering with stakeholders on issue remediation.
• 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.

Requirements

• Bachelor’s degree or equivalent work experience.
• Eight or more years of relevant experience
• Experience managing portfolios and partnering with credit teams in a commercial or corporate banking environment.
• 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.
• Proven ability to work cross-functionally with Sales, Credit, Operations, Risk and Product teams.
• Advanced proficiency in Excel and Adobe; experience with reporting, analytics, and dashboard development is a plus.

Benefits

• Healthcare (medical, dental, vision)
• Basic term and optional term life insurance
• Short-term and long-term disability
• Pregnancy disability and parental leave
• 401(k) and employer-funded retirement plan
• Paid vacation (from two to five weeks depending on salary grade and tenure)
• Up to 11 paid holiday opportunities
• Adoption assistance
• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law