Director, High Risk Portfolio Management

• Conduct advanced financial analysis and risk assessments of clients demonstrating signs of weakness or deterioration
• Provide actionable insights and recommended risk-mitigation strategies to commercial banking lines of business
• Advise on appropriate structures, terms, and risk controls for high-risk accounts
• Advise on complex or distressed credit situations, including covenant breaches, liquidity concerns, operational challenges, and industry-driven pressures
• Support strategies for managing watch-list, impaired, and emerging-risk accounts, including exit strategies, recovery pathways, and restructuring options
• Perform enhanced portfolio monitoring to detect early-warning signals, covenant non-compliance, and deteriorating credit trends
• Evaluate portfolio-level performance indicators and risk concentrations, escalating concerns and recommending corrective actions
• Assess risk management practices across the high-risk portfolio, identifying gaps and recommending improvements
• Serve as a specialist resource to senior leaders and frontline teams on complex or ambiguous credit scenarios
• Review high-risk transactions, challenge underlying assumptions, and advise on risk-aligned alternatives
• Engage internal stakeholders to ensure consistency in managing high-risk exposures across the enterprise
• Strengthen discipline and transparency around watch-list and impaired account management procedures
• Adjust risk oversight strategies in response to shifting market, economic, or client-specific conditions
• Contribute to enterprise initiatives that enhance risk governance, improve monitoring capabilities, and support proactive portfolio management
• Partner with Commercial Banking stakeholders while maintaining line-of-business ownership of BAU underwriting and client relationships
• Support senior leadership with insights, analysis, and recommendations for capital allocation and risk appetite decisions
• Engage with industry peers and internal networks on emerging risks, competitive trends, and evolving best practices

Requirements

• 7+ years of experience in credit, lending, restructuring, portfolio management, or financial analysis within a corporate or banking environment
• Strong credit qualifications, including deep knowledge of commercial credit structures, deteriorating-credit dynamics, and high-risk portfolio management practices
• Bachelor's degree required; master's degree preferred (Business Administration, Finance, Accounting, or related field)
• Demonstrated ability to assess complex financial situations, identify risks, and recommend solutions aligned with risk appetite and enterprise policies
• Proven capability to operate in an advisory role, influence stakeholders, and provide expertise in non-routine, ambiguous, or sensitive credit situations
• Strong analytical, communication, and problem-solving skills with the ability to apply sound judgment under pressure

Core Competencies

Demonstrates expertise in advanced financial analysis, risk assessment, and high-risk portfolio management, with a strong ability to provide actionable insights and risk-mitigation strategies. Capable of advising on complex credit situations and engaging stakeholders to enhance risk governance and monitoring capabilities.

Highest-signal resume keywords

• Credit Analysis
• Risk Assessment
• Portfolio Management
• Financial Analysis
• Stakeholder Engagement

Hard Skills

• Financial Analysis
• Risk Assessment
• Credit Structures
• Portfolio Management
• Covenant Breach Analysis
• Liquidity Assessment
• Operational Challenge Evaluation
• Risk Mitigation Strategies
• Performance Indicator Evaluation
• Credit Trend Monitoring

Soft Skills

• Analytical Skills
• Communication Skills
• Problem-Solving Skills
• Influencing Skills
• Judgment Under Pressure

Industry Keywords

• Commercial Banking
• High-Risk Accounts
• Deteriorating Credit Dynamics
• Restructuring Options
• Watch-List Management
• Impaired Account Management
• Risk Governance
• Capital Allocation
• Enterprise Policies
• Emerging Risks

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Ul

• Conduct advanced financial analysis and risk assessments of clients demonstrating signs of weakness or deterioration

• Provide actionable insights and recommended risk-mitigation strategies to commercial banking lines of business

• Advise on appropriate structures, terms, and risk controls for high-risk accounts

• Advise on complex or distressed credit situations, including covenant breaches, liquidity concerns, operational challenges, and industry-driven pressures

• Support strategies for managing watch-list, impaired, and emerging-risk accounts, including exit strategies, recovery pathways, and restructuring options

• Perform enhanced portfolio monitoring to detect early-warning signals, covenant non-compliance, and deteriorating credit trends

• Evaluate portfolio-level performance indicators and risk concentrations, escalating concerns and recommending corrective actions

• Assess risk management practices across the high-risk portfolio, identifying gaps and recommending improvements

• Serve as a specialist resource to senior leaders and frontline teams on complex or ambiguous credit scenarios

• Review high-risk transactions, challenge underlying assumptions, and advise on risk-aligned alternatives

• Engage internal stakeholders to ensure consistency in managing high-risk exposures across the enterprise

• Strengthen discipline and transparency around watch-list and impaired account management procedures

• Adjust risk oversight strategies in response to shifting market, economic, or client-specific conditions

• Contribute to enterprise initiatives that enhance risk governance, improve monitoring capabilities, and support proactive portfolio management

• Partner with Commercial Banking stakeholders while maintaining line-of-business ownership of BAU underwriting and client relationships

• Support senior leadership with insights, analysis, and recommendations for capital allocation and risk appetite decisions

• Engage with industry peers and internal networks on emerging risks, competitive trends, and evolving best practices

Li

7+ years of experience in credit, lending, restructuring, portfolio management, or financial analysis within a corporate or banking environment

P

Demonstrates expertise in advanced financial analysis, risk assessment, and high-risk portfolio management, with a strong ability to provide actionable insights and risk-mitigation strategies. Capable of advising on complex credit situations and engaging stakeholders to enhance risk governance and monitoring capabilities.

Work Hours

Full Time