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$46.5K

$86.7K

$113K

How much do credit portfolio jobs pay per year?

As of Jun 11, 2026, the average yearly pay for credit portfolio in the United States is $86,688.00, according to ZipRecruiter salary data. Most workers in this role earn between $70,000.00 and $108,000.00 per year, depending on experience, location, and employer.

What are some typical challenges faced by professionals working in Credit Portfolio management, and how can they be addressed?

Professionals in Credit Portfolio management often face challenges such as balancing risk and return, responding to changing market conditions, and ensuring regulatory compliance. Managing diverse portfolios requires staying updated on credit trends and proactively identifying potential problem loans or exposures. Collaboration with risk management, data analytics, and front-office teams is crucial to make informed decisions and maintain portfolio health. Regular training on risk assessment tools and ongoing communication with stakeholders can help address these challenges effectively.

What is the difference between Credit Portfolio vs Credit Analyst?

AspectCredit PortfolioCredit Analyst
Primary RoleManage and oversee a collection of credit assets and portfolios to optimize risk and return.Assess individual credit applications and analyze creditworthiness of borrowers.
Required CredentialsOften requires experience in credit management, finance, or related certifications; may include CFA or similar.Typically requires a degree in finance, economics, or related fields; certifications like CFA or credit analysis courses are common.
Work EnvironmentCorporate banking, financial institutions, or investment firms.Banking institutions, credit agencies, or financial services firms.
FocusPortfolio performance, risk management, and strategic credit decisions.Credit assessment, risk analysis, and loan approval processes.

While both roles involve credit, a Credit Portfolio professional manages a broad collection of credit assets, focusing on overall risk and performance, whereas a Credit Analyst evaluates individual credit applications to inform lending decisions.

What are the key skills and qualifications needed to thrive as a Credit Portfolio Manager, and why are they important?

To thrive as a Credit Portfolio Manager, you need strong analytical skills, a solid understanding of credit risk management, and a background in finance or economics, often supported by relevant degrees or certifications such as CFA or FRM. Familiarity with portfolio management software, risk modeling tools, and financial analysis systems is typically required. Excellent communication, critical thinking, and decision-making skills help you effectively assess risk and collaborate with stakeholders. These skills ensure sound credit portfolio performance, risk mitigation, and alignment with organizational objectives.

What are Credit Portfolio managers and what do they do?

Credit Portfolio managers are financial professionals responsible for overseeing and managing a portfolio of credit assets, such as loans, bonds, or other forms of credit exposure. Their main goal is to maximize returns while minimizing risk by analyzing creditworthiness, monitoring market trends, and making strategic investment decisions. They may work in banks, investment firms, or other financial institutions, and are involved in tasks like risk assessment, performance analysis, and regulatory compliance. By balancing risk and reward, Credit Portfolio managers help ensure the financial health and stability of their organizations.
More about Credit Portfolio jobs
What cities are hiring for Credit Portfolio jobs? Cities with the most Credit Portfolio job openings:
What are the most commonly searched types of Credit Portfolio jobs? The most popular types of Credit Portfolio jobs are:
What states have the most Credit Portfolio jobs? States with the most job openings for Credit Portfolio jobs include:
Credit Portfolio jobs near you
Credit Portfolio Manager III (Hybrid--TN, KY)

Credit Portfolio Manager III (Hybrid--TN, KY)

Atlantic Union Bank

Covington, KY • On-site, Remote

$52.02 - $86.80/hr

Full-time

Posted 21 days ago

Atlantic Union Bank rating

7.2

Company rating: 7.2 out of 10

Based on 5 frontline employees who took The Breakroom Quiz

96th of 141 rated banks

Job description

Responsible for providing an independent perspective in underwriting and managing complex Wholesale Banking loans and relationships up to the bank's legal lending limit. Partners with Relationship Managers, Credit Portfolio Managers, and the Credit Portfolio Management Team Leader in delivering credit solutions through: underwriting, portfolio management, deal team management, and extensive internal and external client interaction. Credit Portfolio Manager III is expected to be a subject matter expert (SME) in the respective portfolio and adheres to all regulatory and compliance guidelines.
  • Lead the independent underwriting process for new and renewal opportunities for clients and prospects within an assigned portfolio. The position will be assigned to some of the more complex credits and larger portfolios within the Wholesale Bank.
  • Provide in-depth, independent analysis of financial statements, management competencies, industry impact, competitive dynamics, collateral, and guarantor support for new/renewal opportunities and other credit risk management deliverables.
  • Prepare detailed short or long-term financial projections within a vendor provided solution such as Moody's Risk Analyst or within an Excel spreadsheet.
  • Make recommendations to Relationship Managers and Credit Approvers regarding credit amount, structure, and policy compliance.
  • Manage assigned portfolio by proactively monitoring performance and trends, ensuring risk rating integrity, ensuring timely compliance with all covenants, identifying issues and following through for remediation, and assisting with compliance and regulatory reviews.
  • Participate or lead client calls with Relationship Manager for in-depth financial questions, deal information, collection of financial statements, and other portfolio management requirements
  • Participate in special projects to aid with the continuous improvement of portfolio management.
  • Adhere to all applicable laws and regulations governing bank operations, including compliance with Atlantic Union Bankshares' BSA/AML Policy and Procedures.
  • Prioritize new deal, renewal, and portfolio management requirements and coordinate as appropriate with clients and prospects, Relationship Managers, Credit Risk, Treasury Management, and other internal and external stakeholders.
  • This senior position may mentor CPMs I and II, as appropriate.

Organizational Relationship
This position reports to the Team Leader - Credit Portfolio Management.
Position Qualifications
Education & Experience
  • Bachelor's degree in Accounting or Finance and seven or more years of experience in a commercial lending environment

Knowledge & Skills
  • Experience across multiple lines of business, including but not limited to Commercial & Industrial, real estate development and builder lines, service, retail, commercial real estate, religious organizations and government. If supporting commercial real estate lenders, requisite skills would also include construction loan underwriting and administration (construction budgets, sources/uses, construction draw administration, property entitlement, lease analysis and property valuation principles).
  • Considered a SME for aligned industry, commercial credit and lending concepts, practices and regulations.
  • Advanced written and analytical skills to encompass an ability to analyze balance sheet structure, and income and cash flow trends.
  • Consistently demonstrates ability to make complex decisions and sound business judgments regarding business and lending activities
  • Skilled in the analysis of financial statements, tax returns and cash flows of commercial & industrial companies, or commercial & residential real estate companies (as applicable).
  • Knowledge of financial statement spreading, including proficiency in preparing pro-forma statements within Moody's or other software package.
  • Excellent written, oral and interpersonal skills, to include selling, structuring, negotiating, closing, maintenance, modifications and problem resolution
  • PC proficiency with Word and Excel, including the use of system and user generated formulas, macros, charts, and tables.
  • Ability to research industry sources needed for credit evaluations.
  • Strong organization skills with the ability to self-manage time and work flow to meet deadlines.
  • Ability to manage multiple projects at one time.
  • Ability to work independently as well as within a team environment

Salary offered will be based on several factors including but not limited to education, work experience, certifications, etc. This position is also eligible to participate in either an applicable incentive compensation plan for the position or a discretionary profit sharing bonus program. General information on our comprehensive benefits package can be found by visiting https://www.atlanticunionbank.com/about/careers/benefits.
We are proud to be an Equal Employment Opportunity employer. We maintain a drug-free workplace.
Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

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