Senior CRE Credit Portfolio Manager

 
 
 
THE OPPORTUNITY
 
A well-capitalized, publicly traded regional bank is expanding its Wholesale Banking presence in Charlotte and seeking a senior credit professional to take ownership of a complex CRE portfolio. This is a high-trust, low-bureaucracy seat — you will partner directly with experienced Relationship Managers on sophisticated deals from underwriting through ongoing portfolio management.
 
The bank is investing heavily in technology, including an AI-enabled originations platform and Microsoft Copilot, with executive-level commitment to adoption. Charlotte is an active growth market for this institution, with a strong deal pipeline and transactions trending larger in size and complexity.
 
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AT A GLANCE
 
Portfolio Size: ~$500MM | ~43 loans | ~16 relationships
Average Deal Size: $15-20MM (up to $40MM)
Total Comp Potential: $180,000+
 
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WHAT YOU'LL OWN
 

• Lead independent underwriting on new and renewal credits — among the most complex in the division
• Proactively manage covenants, risk ratings, maturities, and renewals across the full portfolio
• Conduct in-depth analysis of financial statements, cash flows, and collateral for CRE and C&I credits
• Prepare financial projections in Moody's Risk Analyst and Excel; deliver credit recommendations to approvers
• Participate in client calls alongside Relationship Managers for financial due diligence and deal structuring
• Identify portfolio risk early and drive remediation independently

 
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IDEAL BACKGROUND
 

• 7+ years in commercial lending with true independent portfolio management experience
• Strong CRE underwriting — construction, draw administration, lease analysis, and valuation
• C&I experience valued alongside CRE; multi-line-of-business background preferred
• nCino platform experience is a meaningful differentiator
• Proficiency in Moody's Risk Analyst and advanced Excel modeling
• Comfortable with AI tools and a high-ownership operating environment