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GENERAL FUNCTION:
The Senior Portfolio Manager (PM) is a key member of the Innovation Banking team responsible for managing a portfolio of technology and innovation-focused clients.

The PM partners closely with Relationship Managers to structure, underwrite, and manage complex credit relationships for venture-backed, sponsor-backed, and high-growth companies across the technology, software, fintech, and digital infrastructure sectors.

This role requires deep expertise in commercial credit, venture debt, recurring revenue lending, and growth-company financial analysis.

The Senior PM serves as a trusted advisor throughout the credit lifecycle, balancing prudent risk management with the ability to support innovative companies through various stages of growth.

The portfolio will include early-stage, pre-profit, and high-growth borrowers with limited operating histories.

Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined.

Accountable for
always doing the right thing for customers and colleagues and ensures that actions and behaviors drive a positive customer experience.

While
operating
within the Bank's risk appetite,
achieves
results by consistently
identifying , assessing, managing, monitoring, and reporting risks of all types.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
Maintain an independent,
current
and
forward-looking
view of the creditworthiness of each client and communicate risk perspectives clearly to business and risk partners
Perform ongoing monitoring and periodic deal reviews; approve or recommend renewal, modification or exit decisions as appropriate
Analyze historical financials and projections to ensure
accurate
risk ratings, early identification of emerging credit issues, and clear articulation of industry and company trends
Manage the underwriting,
approval
and documentation process for transactions, including new money, renewals, extensions, amendments, waivers, and ancillary products (e.g., treasury management, FX, interest rate
derivatives
and commodity exposure)
Review and recommend credit decisions,
perform final risk rating analysis ,
provide interpretation of credit policy to business partners ,
and escalate
non-standard
or higher-risk requests as
appropriate .

Ensure compliance with internal credit policies, regulatory
guidelines
and documentation standards
Manage a larger, more complex portfolio that may include
higher ‑ risk , lead
bank
and
high touch
client relationships
Serve as an active member of the coverage team in collaboration with Relationship Managers and Credit Risk
Meet directly with prospects and clients as needed, leading diligence discussions
for assigned relationships and supporting escalated discussions alongside senior leadership
Provide guidance on deal structures,
pricing
and risk mitigation strategies
Create and deliver portfolio performance reports and presentations for senior management, including risk insights and recommendations
Ensure accuracy and integrity of system records
and electronic credit files, supporting data governance and regulatory readiness
Participate in
senior level
team meetings, providing input on portfolio themes, risk
trends
and process improvements
Lead or
participate
in special projects and strategic initiatives that enhance portfolio management practices and systems
Review work
product
prepared by junior team members to ensure accuracy
and
consistency
and provide coaching and feedback to Credit Analysts
SUPERVISORY RESPONSIBILITIES:




May i nclude
the direct
s upervision and direction of the day-to-day activities of junior portfolio management team members.
R esponsible for providing employees with
timely , candid, and constructive performance feedback.

Develop employees to their fullest
potential and
provide
challenging opportunities that enhance employee career growth.

Develop the
appropriate talent
pool to ensure
adequate bench strength and succession planning.

Recognize and reward employees for accomplishments.

Key Responsibilities

Credit Underwriting & Portfolio Management
Underwrite and manage complex credit relationships for innovation economy clients, including technology-enabled businesses, software companies, fintechs, and venture-backed enterprises.

Structure venture debt, recurring revenue facilities, working capital lines, acquisition financing, and other customized lending solutions.

Prepare comprehensive credit approval packages, financial models, risk assessments, and portfolio reviews.

Monitor borrower performance, covenant compliance, liquidity, cash runway, and key operating metrics.

Maintain an independent, current, and forward-looking assessment of client creditworthiness, proactively identifying emerging risks and communicating perspectives to business and risk partners.

Underwrite prospects and monitor customers based on sponsor exposure, stage of development, subsector, vintage, revenue quality, burn/runway, covenants, funding-round timing, valuation resets, insider-round activity, bridge financing, and dependency on capital markets or strategic exits.

Assess business models, recurring revenue streams, unit economics, customer concentration, and growth metrics.

Analyze key performance indicators relevant to venture-backed and growth-stage companies, including ARR/MRR growth, revenue retention, customer acquisition economics, sales efficiency and milestone achievement.

Create and deliver portfolio performance reports and presentations for senior management, including risk insights and recommendations.

Review work product prepared by junior team members to ensure accuracy and consistency and provide coaching and feedback to Credit Analysts.

Participate in senior level team meetings, providing input on portfolio themes, risk trends and process improvements.
S
Transaction Execution
Partner with Relationship Managers in all aspects of transaction execution, including due diligence, deal structuring, financial analysis, and credit approval.

Lead diligence with founders, management teams, sponsors, and external advisors to understand product differentiation, market opportunity, competitive positioning, technology and intellectual-property risks, regulatory pathways, development milestones, commercialization plans, and future capital requirements.

Evaluate venture capital, private equity, and sponsor relationships supporting client growth strategies, including sponsor quality, investment thesis, governance, reserve capacity, follow-on financing history, and ability to support borrowers through varying market conditions and downside scenarios.

Analyze capitalization tables, funding histories, investor syndicates, and exit scenarios.

Manage the underwriting, approval and documentation process for transactions, including new money, renewals, extensions, amendments, waivers, and ancillary products (e.g., treasury management, FX,



interest rate derivatives and commodity exposure).

Client & Industry Expertise
Expertise in technology and innovation industry verticals, including SaaS, fintech, healthcare technology, digital infrastructure, AI, and cybersecurity.

Participate in client meetings and provide strategic insight regarding capital structure and financing solutions.

Maintain awareness of industry trends, venture capital markets, private equity activity, and emerging innovation sectors.

Risk Management
Ensure adherence to the Bank's credit policies, regulatory requirements, and portfolio management standards.

Conduct ongoing portfolio surveillance and periodic credit reviews.

Recommend risk rating changes and portfolio actions as appropriate.

Collaborate with Credit, Risk, Legal, and Operations partners to ensure sound portfolio administration.

Qualifications

Required
Bachelor's degree in Finance, Accounting, Economics, Business, or related field.
8+ years of commercial banking, corporate banking, leveraged finance, innovation banking, or specialty lending experience.

Strong credit underwriting and financial analysis skills.

Experience managing complex commercial loan portfolios.

Proven ability to independently analyze and structure credit transactions.

Excellent written and verbal communication skills.

Preferred
Direct experience serving venture-backed, private equity-backed, or technology-focused companies.

Experience leading underwriting and diligence on venture debt, recurring revenue loans, growth capital facilities, or sponsor-backed M&A; transactions.

Advanced financial modeling skills.
CFA, CPA, MBA, or other relevant qualified designation.

Experience providing guidance, coaching, or review of junior staff work is preferred but not required.

Commercial Senior Portfolio Manager (Innovation Banking) - Toronto, Canada
At Fifth Third, we understand the importance of recognizing our employees for the role they play in improving the lives of our customers, communities and each other.

Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day.

The base salary for this position is reflective of the range of salary levels for all roles within this pay grade across the U.S.

Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education and geographic location.

In addition to the base salary, this role is eligible to participate in an incentive compensation plan, with any such payment based upon company, line of business and/or individual performance.

Our extensive benefits programs are designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional and social well-being.

You can learn more about those programs on our 53.com Careers page at:
https://www.53.com/content/fifth-third/en/careers/benefits.html
or by consulting with your talent acquisition partner.
LOCATION -- Toronto, Ontario M5K 1J3
Attention search firms and staffing agencies: do not submit unsolicited resumes for this posting.

Fifth Third does not accept resumes from any agency that does not have an active agreement with Fifth Third.

Any unsolicited resumes – no matter how they are submitted – will be considered the property of Fifth Third and Fifth Third will not be responsible for any associated fee.

Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.

📌 Commercial Senior Portfolio Manager (Innovation Banking) - Toronto, Canada
🏢 Fifth Third Bank, N.A.
📍 Toronto