Portfolio Manager - Trade & Working Capital

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The Trade & Working Capital Finance (TWC) team is part of the broader Working Capital Finance organization, which encompasses Asset-Based Finance, Supply Chain Finance, Traditional Trade, and Standby Letter of Credit products. The Trade & Working Capital team focuses specifically on Supply Chain Finance solutions (approved payables and receivables programs) and Traditional Trade (documentary collections and letters of credit). Asset-Based Finance and Standby Letters of Credit are outside the scope of this team. The organization is operating within a newly established operating model structured around four core functions: (1) Sales & Origination, (2) Sales Enablement & Program Management, (3) Product Management, and (4) Portfolio Management.   This role sits within the newly developed Portfolio Management function.

Overview The Portfolio Manager is responsible for overseeing the full credit lifecycle of Trade and Working Capital transactions—from deal structuring and approval through implementation and ongoing portfolio monitoring. While this role does not perform credit underwriting, it partners closely with Business Line Portfolio Management, Relationship Managers, Credit, Risk, Legal, and Operations to ensure transactions are appropriately structured, underwritten, approved, documented, and managed in accordance with internal credit policy and risk standards.   In addition to portfolio oversight, the Portfolio Manager supports business growth by collaborating with Trade and Working Capital Sales & Origination and Sales Enablement & Program Management teams. The role may assist in client discussions to provide portfolio management, credit, and risk perspectives, particularly for complex or structured transactions.

Manage a portfolio of Trade & Working Capital Finance relationships in partnership with Business Line Portfolio Management, Relationship Managers, and Credit teams. Oversee the credit approval process, coordinating with the Institutional Client Group (ICG) and Asset Based Finance Portfolio Management teams as applicable, to ensure transactions are structured and approved in accordance with internal credit policies and risk frameworks. Support deal structuring, identify and resolve policy exceptions, and ensure all internal approval and documentation requirements are satisfied. Participate in deal closings, including review of legal documentation and coordination with Operations to ensure accurate booking and efficient implementation of approved structures. Respond to internal and external credit‑related inquiries, providing timely analysis and support. Support Trade & Working Capital Sales and Origination and Sales Enablement & Program Management teams with client needs, structuring questions, and portfolio related insights. Contribute to revenue growth by supporting new business opportunities and expansion of existing relationships. Produce and analyze portfolio reporting, metrics, and dashboards to deliver actionable insights on performance, risk, utilization, and growth trends for management and business partners leveraging Microsoft Office (with strong emphasis on Excel), Adobe, and proprietary systems such as Power BI, nCino, Salesforce, and Precision Lender (or similar tools). Proactively monitor portfolio risk, identify emerging credit, counterparty, country, bank, or structural risks, and partner with Credit and Risk