VP, Commercial Portfolio Manager

Company: Banesco USA
Location: Miami
Posted on: February 17, 2026

Job Description:

Job Description Job Description Job Title VP, Commercial Portfolio Manager Banesco USA is seeking a VP, Commercial Portfolio Manager for our Portfolio Managers business unit. Primary Job Duties Monitors existing lending relationships assigned to their portfolio and completes annual, semi-annual or quarterly reviews as required in a timely manner. Prepare monthly Watch List comments and quarterly Adversely Classified Reports where applicable. Maintains oversight of all ongoing monitoring requirements and client deliverables as well as compliance with all terms of the loan agreement including (i) Financial Reporting and Covenant Tracking, (ii) Covenant Compliance, (iii) Collateral Monitoring and Borrowing Base Analysis, and (iv) all required third party reports, investigations and due diligence. Validates and analyzes reports such as Financial Statements, Borrowing Base Certificates, Collateral Field Examinations, Appraisals, Engineering Reports, etc., to verify compliance. Actively works on tracking tickler requirements, post-closing items and revisiting policy exceptions to determine current status. Reviews and clears financial exceptions and documentation exceptions. Works with the Lenders and Lending Associate(s) to clear exceptions. Evaluates pertinent information to determine risk rating and whether a prospect and/or existing credit is an acceptable risk. Thorough ongoing portfolio management, detects early warning signs of deteriorating credit trends and recommend risk rating changes where applicable. Escalates issues to appropriate levels and develops action plan with the Credit Officer, Head of Corporate Banking, Special Assets and Chief Credit Officer. Partners with the Loan Officers in structuring and underwriting new relationships as well as renewals, extensions, waivers and/or modifications of existing loans. Determines relationship monitoring needs while working with the Loan Officer and Underwriters during the underwriting process. Prepares all required financial spreads and Executive Summary and uploads all packages for credit underwriting and approval. Reviews and analyzes all third-party reports. Includes all pertinent information in Executive Summary. Acts as a liaison between the customer and other departments of the bank to ensure the renewals and/or modifications are processed in an efficient and timely manner. Works in conjunction with Loan Operations in maintaining all required insurance policies within appropriate coverage and are up-to-date by contacting borrower, insurance agent or respective insurance company. Documents borrower’s file with quarterly call memorandums in connection with lines of credit and annual inspections of real estate loans. Maintains a close follow-up on past due payments and maturities to avoid any past dues over 30 days. Ensures financial information request letter and/or renewal letter is sent to the borrower in a timely manner. Monitors industry trends and analyzes specific industry trend area to identify potential areas of risk in the loan portfolio. Responsible for completing annual training program assigned. Performs other functions and/or duties as assigned. Job Requirements Education: Bachelor’s Degree required for consideration or the equivalent in experience. Experience: Seven (7) years of experience as a Credit Underwriter or Portfolio Manager. Advanced knowledge of overall Bank policies as well as credit policy and compliance regulations. Must be bilingual in both English and Spanish. Ability to fluently speak, understand, read and write both languages preferred. Strong customer service skills, ensuring satisfaction of both internal and external customers. Self-starter and independent worker. Strong attention to detail and accuracy. Problem solving and analytical skills in order to identify problems and present them to the appropriate parties. Strong verbal and written communication skills, ability to communicate at all levels of the organization. Ability to multi-task, with strong organization, time-management and prioritizing skills. Ability to work in a team environment, in order to ensuring compliance with department procedures. Advanced computer skills including but not limited to proficiency in Microsoft Office (Word, Excel, Power Point, Moody’s, nCino etc.). Adept at learning and using new technology. Knowledge of related State and Federal banking compliance regulations and operational policies. Ability to understand and comprehend instructions, procedures and policies ensuring compliance with the Bank’s policies and procedures. Benefits Competitive base salary, plus variable compensation. Paid time off. Hybrid schedule. 401k with employer match. Tuition reimbursement. Paid parental leave. Free parking. Medical, Dental, Vision Life Insurance Supplemental Insurances Short-Term & Long-Term Disability Benefits About Us Banesco USA is part of Banesco International, a worldwide group of financial institutions with presence in 14 countries. As a corporation in continuous evolution, we promote the ongoing professional and personal development of our employees, by embracing challenges and adapting to the changing environment of today’s world. We aim to develop integral human beings, committed to making a difference at the workplace and out in the world. Our actions are rooted in our Values: Reliability, Responsibility, Quality and Innovation. We believe that we all have the same ability to transform our daily tasks into significant contributions, and therefore, Leave Our Mark. At Banesco USA, one of our most valued assets is our enthusiastic team, which strives every day to create a world-class organization in an ever-changing world. Together, our team has made us a market leader and we invite you to join us. LI-HYBRID

Keywords: Banesco USA, Sunrise , VP, Commercial Portfolio Manager, Accounting, Auditing , Miami, Florida