Vice President Portfolio Management - Commercial Banking
OneSearch Group
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Miami-Fort Lauderdale Area
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Associate
Posted March 14, 2026
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Responsibilities
Responsibilities
- Manage an assigned portfolio of Commercial Banking relationships, ensuring timely completion of annual, semi-annual, and quarterly credit reviews.
- Oversee ongoing monitoring requirements, including borrower financial reporting, covenant tracking, collateral monitoring, borrowing base analysis, and post-closing items.
- Review and analyze borrower financial statements and third-party reports (e.g., appraisals, field exams, collateral exams, engineering and other diligence reports) to confirm compliance with credit terms.
- Identify early warning indicators and emerging credit risks, recommend risk rating changes, and escalate concerns as appropriate while supporting mitigation strategies in coordination with Credit leadership.
- Partner with Commercial Relationship Managers on new credit requests and existing loan events, including renewals, extensions, amendments, waivers, and modifications.
- Prepare financial spreads, executive summaries, and complete credit packages for internal underwriting and approval.
- Track, resolve, and clear financial, policy, and documentation exceptions in collaboration with lending, underwriting, and loan operations teams.
- Support efficient processing of renewals and modifications by coordinating across internal departments and serving as a key point of contact.
- Monitor past-due exposure, upcoming maturities, and borrower communication to proactively manage risk and portfolio performance.
- Maintain awareness of economic conditions and industry-specific trends impacting Commercial Banking portfolios.
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Requirements
- 5+ years of experience in Commercial Credit, Portfolio Management, or Credit Underwriting within a Commercial Banking environment.
- Strong understanding of Commercial Banking loan structures, credit analysis, collateral, and risk rating frameworks.
- Working knowledge of bank credit policies and applicable regulatory requirements.
Preferred Skills
- 5+ years of experience in Commercial Credit, Portfolio Management, or Credit Underwriting within a Commercial Banking environment.
- Strong understanding of Commercial Banking loan structures, credit analysis, collateral, and risk rating frameworks.
- Working knowledge of bank credit policies and applicable regulatory requirements.
Education
- (Required) – Bachelor’s degree required (or equivalent relevant experience).
OneSearch Group, in partnership with one of the fastest-growing Banking institutions in South Florida, is seeking to identify a Vice President of Portfolio Management for their team based in Miami, FL. This role supports a seasoned Commercial Banking team and is responsible for the ongoing credit oversight, monitoring, and risk management of a diverse portfolio of complex commercial lending relationships. Key Responsibilities:
Manage an assigned portfolio of Commercial Banking relationships, ensuring timely completion of annual, semi-annual, and quarterly credit reviews.
Oversee ongoing monitoring requirements, including borrower financial reporting, covenant tracking, collateral monitoring, borrowing base analysis, and post-closing items.
Review and analyze borrower financial statements and third-party reports (e.g., appraisals, field exams, collateral exams, engineering and other diligence reports) to confirm compliance with credit terms.
Identify early warning indicators and emerging credit risks, recommend risk rating changes, and escalate concerns as appropriate while supporting mitigation strategies in coordination with Credit leadership.
Partner with Commercial Relationship Managers on new credit requests and existing loan events, including renewals, extensions, amendments, waivers, and modifications.
Prepare financial spreads, executive summaries, and complete credit packages for internal underwriting and approval.
Track, resolve, and clear financial, policy, and documentation exceptions in collaboration with lending, underwriting, and loan operations teams.
Support efficient processing of renewals and modifications by coordinating across internal departments and serving as a key point of contact.
Monitor past-due exposure, upcoming maturities, and borrower communication to proactively manage risk and portfolio performance.
Maintain awareness of economic conditions and industry-specific trends impacting Commercial Banking portfolios. Desirable Experience:
Bachelor’s degree required (or equivalent relevant experience).
5+ years of experience in Commercial Credit, Portfolio Management, or Credit Underwriting within a Commercial Banking environment.
Strong understanding of Commercial Banking loan structures, credit analysis, collateral, and risk rating frameworks.
Working knowledge of bank credit policies and applicable regulatory requirements.
Manage an assigned portfolio of Commercial Banking relationships, ensuring timely completion of annual, semi-annual, and quarterly credit reviews.
Oversee ongoing monitoring requirements, including borrower financial reporting, covenant tracking, collateral monitoring, borrowing base analysis, and post-closing items.
Review and analyze borrower financial statements and third-party reports (e.g., appraisals, field exams, collateral exams, engineering and other diligence reports) to confirm compliance with credit terms.
Identify early warning indicators and emerging credit risks, recommend risk rating changes, and escalate concerns as appropriate while supporting mitigation strategies in coordination with Credit leadership.
Partner with Commercial Relationship Managers on new credit requests and existing loan events, including renewals, extensions, amendments, waivers, and modifications.
Prepare financial spreads, executive summaries, and complete credit packages for internal underwriting and approval.
Track, resolve, and clear financial, policy, and documentation exceptions in collaboration with lending, underwriting, and loan operations teams.
Support efficient processing of renewals and modifications by coordinating across internal departments and serving as a key point of contact.
Monitor past-due exposure, upcoming maturities, and borrower communication to proactively manage risk and portfolio performance.
Maintain awareness of economic conditions and industry-specific trends impacting Commercial Banking portfolios. Desirable Experience:
Bachelor’s degree required (or equivalent relevant experience).
5+ years of experience in Commercial Credit, Portfolio Management, or Credit Underwriting within a Commercial Banking environment.
Strong understanding of Commercial Banking loan structures, credit analysis, collateral, and risk rating frameworks.
Working knowledge of bank credit policies and applicable regulatory requirements.