The Portfolio Manager is responsible for managing and maintaining a portfolio of client facilities by ensuring strong portfolio performance, effective risk management, and high levels of client service. The role involves monitoring client exposures, maintaining ongoing client relationships, and ensuring compliance with Merchant West credit policies and governance frameworks. The Portfolio Manager works closely with business units to support deal execution, manage risk, and identify opportunities for portfolio growth and optimisation.
Main Accountabilities:
Portfolio Management and Performance
Manage and oversee a portfolio of client facilities to ensure strong financial performance.
Monitor client exposures, repayment performance, and asset quality within the portfolio.
Ensure the portfolio performs in line with Merchant West profitability and risk targets.
Client Relationship Management
Maintain strong relationships with existing clients to ensure ongoing service excellence.
Engage with clients to understand business needs and identify additional opportunities.
Address client queries and manage relationship issues in a timely and professional manner.
Portfolio Risk Monitoring
Monitor financial performance of clients and identify potential credit risks.
Ensure compliance with approved credit terms, covenants, and facility conditions.
Escalate potential risk concerns and recommend appropriate corrective action.
Deal Structuring and Transaction Support
Support business units with the structuring of new or amended transactions within the portfolio.
Review financial information to assess the impact of restructuring or additional funding requests.
Provide input on risk mitigation strategies where required.
Reporting and Portfolio Administration
Prepare portfolio performance reports and updates for management.
Maintain accurate client records and portfolio documentation.
Ensure compliance with internal reporting and monitoring requirements.
Credit Governance and Compliance
Ensure adherence to Merchant West credit policies, procedures, and governance frameworks.
Maintain proper documentation and audit trails for portfolio decisions and actions.
Support internal audit and compliance requirements related to portfolio management.
Qualifications:
Bachelor’s degree or Diploma in Finance, Accounting, Economics, or a related field, with a postgraduate qualification or professional certification in finance, credit, or risk management being advantageous
Experience:
4+ years’ experience in a sales position with a financial background/ solution selling
Relationships and client/ dealer base within the sector
Skills:
Portfolio management and performance monitoring
Financial statement analysis and credit risk evaluation
Deal structuring and transaction assessment
Client relationship and stakeholder management
Portfolio reporting and financial analysis
Credit policy interpretation and application
Financial modelling and cash flow analysis
Portfolio systems and financial software utilisation
