Director, High Risk Portfolio Management

Role Overview

• Conducts advanced financial analysis and risk assessments of clients demonstrating signs of weakness or deterioration, providing the LOB with actionable insights and recommended risk‑mitigation strategies.
• Offers guidance on appropriate structures, terms, and risk controls for high‑risk accounts, ensuring alignment with bank policies, risk appetite, and regulatory expectations.
• Advises on complex or distressed credit situations, including covenant breaches, liquidity concerns, operational challenges, and industry‑driven pressures.
• Supports LOB teams with strategies for managing watch‑list, impaired, and emerging‑risk accounts, including exit strategies, recovery pathways, and restructuring options.
• Performs enhanced portfolio monitoring to detect early‑warning signals, covenant non‑compliance, or deteriorating credit trends.
• Evaluates portfolio‑level performance indicators and risk concentrations, escalating concerns where appropriate and recommending corrective actions.
• Assesses the overall quality of risk management practices across the high‑risk portfolio, identifying gaps and recommending improvements.
• Operates as a specialist resource to senior leaders and frontline teams, supporting decision‑making on complex or ambiguous credit scenarios.
• Provides expertise for the review of high‑risk transactions, challenging underlying assumptions, and advising on risk‑aligned alternatives.
• Engages with internal stakeholders to ensure consistency in the management of high‑risk exposures across the enterprise.

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.

Benefits

• Health insurance
• Tuition reimbursement
• Accident and life insurance
• Retirement savings plans