Senior CRE Credit Portfolio Manager (Charlotte)
Location: Charlotte or Winston-Salem, NCTHE OPPORTUNITYA 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 origination 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.─────────────────────────────────────────────────────────AT A GLANCEPortfolio Size: ~$500MM | ~43 loans | ~16 relationshipsAverage Deal Size: $15-20MM (up to $40MM)Total Comp Potential: $180,000+─────────────────────────────────────────────────────────WHAT YOU'LL OWNLead independent underwriting on new and renewal credits — among the most complex in the divisionProactively manage covenants, risk ratings, maturities, and renewals across the full portfolioConduct in-depth analysis of financial statements, cash flows, and collateral for CRE and C&I creditsPrepare financial projections in Moody's Risk Analyst and Excel; deliver credit recommendations to approversParticipate in client calls alongside Relationship Managers for financial due diligence and deal structuringIdentify portfolio risk early and drive remediation independently─────────────────────────────────────────────────────────IDEAL BACKGROUND7+ years in commercial lending with true independent portfolio management experienceStrong CRE underwriting — construction, draw administration, lease analysis, and valuationC&I experience valued alongside CRE; multi-line-of-business background preferrednCino platform experience is a meaningful differentiatorProficiency in Moody's Risk Analyst and advanced Excel modelingComfortable with AI tools and a high-ownership operating environment