Credit Portfolio Manager

Job Summary:
The Credit Portfolio Manager is responsible for overseeing the management and performance of Pinnacle's credit portfolio. This position ensures that the portfolio aligns with the organization's risk appetite and business objectives by monitoring, analyzing, and optimizing credit strategies. The manager collaborates with cross-functional teams to identify trends, mitigate risks, and recommend improvements, while ensuring compliance with internal policies and regulatory requirements.

Job Duties and Responsibilities:

• Monitor and analyze credit portfolio performance, identifying trends and risks; develop and implement portfolio management strategies; ensure compliance with internal credit policies and external regulatory requirements; collaborate with credit, risk, and business teams; prepare and present portfolio reports to senior management; recommend improvements to enhance portfolio quality and performance; support stress testing, scenario analysis, and risk assessment activities; maintain up-to-date knowledge of industry trends and regulatory changes; provide guidance and mentorship to junior portfolio staff; manage relationships with external partners and business partners.

See Additional Below Specific Information regarding the position:

*The information on this description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job

Pinnacle is an Equal Opportunity Employer committed to fostering an inclusive work environment.*

Qualifications

Minimum Education: Bachelor's degree in Business, Finance, or related field;

Minimum Experience: minimum of 10 years of experience in credit portfolio management within financial services;

Required Knowledge, Skills & Abilities: strong knowledge of credit risk assessment, portfolio management techniques, and regulatory requirements; excellent analytical, decision-making, and problem-solving skills; proven ability to manage complex portfolios and deliver results; proficiency with portfolio management software and financial systems; attention to detail and organizational skills; ability to work collaboratively with internal and external stakeholders.

Additional Information

Position Summary

Pinnacle Financial Partners is seeking a VP/SVP, ABL Portfolio Management to manage and oversee a portfolio of asset-based lending relationships across a variety of industries and borrower profiles.

This role serves as the primary credit owner following loan closing and is responsible for ongoing portfolio management, collateral monitoring, covenant compliance, and credit risk assessment. The individual will work closely with originations, underwriting, field exam providers, legal counsel, and operations to maintain portfolio quality, proactively identify risk, and deliver a high level of responsiveness to borrowers and internal stakeholders.

The ideal candidate possesses a strong understanding of asset-based lending structures, collateral monitoring, borrowing base administration, and middle-market credit. This role requires the ability to identify emerging risks, develop practical solutions, and maintain strong relationships with borrowers while protecting the bank's interests.

Key Responsibilities

1. Portfolio Management & Credit Oversight

• Manage a portfolio of asset-based lending relationships secured by accounts receivable, inventory, and other eligible collateral.
• Maintain primary post-close credit responsibility for assigned relationships.
• Monitor borrower financial performance, liquidity, cash flow generation, and operating trends.
• Review monthly, quarterly, and annual borrower reporting to assess overall credit quality and identify emerging risks.
• Ensure compliance with loan agreements, reporting requirements, covenants, and borrowing base provisions.
• Maintain accurate risk ratings and recommend rating changes when warranted.
• Develop a comprehensive understanding of borrower operations, industry dynamics, liquidity drivers, and strategic objectives to proactively identify opportunities and risks.

1. Collateral Monitoring & Borrowing Base Analysis

• Manage both fully monitored asset-based credit facilities and ABL Lite structures, applying an appropriate level of collateral monitoring, reporting requirements, and risk management based on transaction structure and complexity.
• Evaluate collateral reporting, borrowing base performance, financial trends, and covenant compliance across traditional borrowing base facilities, covenant-driven structures, and hybrid ABL transactions.
• Review and coordinate field examinations, collateral audits, and third-party appraisals, including NOLV analyses, and ensure timely resolution of findings and recommendations.
• Recommend modifications to reporting requirements, collateral controls, reserve structures, advance rates, and monitoring intensity as borrower performance and risk profiles evolve.

1. Borrower Relationship Management

• Develop and maintain strong working relationships with borrower management teams, private equity sponsors, and other key stakeholders, leveraging periodic borrower visits and management meetings to assess operating performance, strategic initiatives, liquidity needs, and future financing requirements.
• Serve as a trusted credit partner while maintaining appropriate risk discipline and independent judgment.
• Proactively identify opportunities to improve client relationships and support portfolio growth initiatives.

1. Amendments, Renewals & Transaction Execution

• Lead the credit underwriting and approval process for amendments, waivers, renewals, extensions, and facility modifications.
• Prepare concise and decision-oriented credit memoranda for approval by senior management and credit committees.
• Work closely with originations, underwriting, legal counsel, and operations to implement approved changes.
• Review and interpret loan documentation, amendments, and related legal agreements to ensure ongoing compliance with approved credit structures, collateral controls, reporting requirements, and covenant provisions.
• Support new deal onboarding and transition from underwriting to portfolio management.

1. Risk Management & Problem Credit Administration

• Proactively identify and escalate adverse trends in borrower performance, collateral quality, liquidity, or covenant compliance.
• Develop and implement risk mitigation strategies, including reserve adjustments, structural enhancements, additional reporting requirements, and covenant modifications.
• Manage criticized, classified, and stressed relationships, including development of action plans and remediation strategies.

1. Partnership with Originations & Underwriting

• Partner with originators and underwriters throughout the relationship lifecycle.
• Participate in new business screening, structuring discussions, and due diligence efforts, providing perspective on collateral quality, monitoring requirements, documentation considerations, and portfolio fit.
• Support portfolio construction objectives by providing insight regarding industry exposure, concentration management, and emerging credit trends.
• Assist in maintaining a seamless client experience while preserving strong underwriting and portfolio management discipline.

1. Governance, Compliance & Controls

• Ensure compliance with all applicable credit policies, procedures, regulatory requirements, and risk management standards.
• Maintain accurate covenant tracking, exception reporting, risk ratings, and portfolio monitoring documentation.
• Support internal audits, credit reviews, regulatory examinations, and portfolio review processes.
• Ensure integrity of collateral controls, reporting systems, and operational procedures.

Qualifications

Education

• Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field.
• Equivalent combination of education and relevant experience will be considered.

Experience

Vice President

• 5-8+ years of commercial lending, credit, underwriting, or portfolio management experience.
• Minimum 5+ years of direct asset-based lending experience

Senior Vice President

• 8-12+ years of commercial lending, credit, underwriting, or portfolio management experience.
• Minimum 8+ years of direct asset-based lending experience.
• Demonstrated experience managing larger and more complex ABL relationships

Technical Skills

• Advanced knowledge of:
• Asset-based lending structures and borrowing base mechanics
• Accounts receivable and inventory analysis
• Advance rate methodology, reserves, and collateral monitoring
• Field examinations, appraisals, and NOLV analysis
• Financial statement, liquidity, and cash flow analysis
• Loan documentation, covenant compliance, and collateral controls
• Familiarity with ABL portfolio management and collateral monitoring systems.
• Advanced proficiency in Microsoft Excel and database tools, with the ability to leverage data analytics, automation, and emerging AI technologies to enhance portfolio monitoring, reporting, risk identification, and workflow efficiency.

Professional Skills

• Strong credit, analytical, and problem-solving abilities.
• Ability to assess complex borrower requests and develop practical solutions.
• Excellent written and verbal communication skills.
• Effective relationship management skills with borrowers, sponsors, attorneys, and internal stakeholders.
• Strong organizational skills and attention to detail.
• Ability to manage multiple priorities within a fast-paced environment.
• Strong judgment and ownership mentality

Preferred Qualifications

• Experience managing complex asset-based lending relationships across multiple industries and collateral types.
• Experience with sponsor-backed transactions, including private equity-owned middle-market companies.
• Experience managing both fully monitored ABL facilities and ABL Lite credit structures.
• Exposure to syndicated credit facilities, intercreditor arrangements, or multi-lender transactions.
• Experience navigating credit cycle volatility, restructurings, or challenged credit situations.
• Prior experience mentoring junior portfolio managers, analysts, or credit professionals.