Employer: Merchant West Holdings Role Purpose: The Senior Portfolio Manager is responsible for managing and overseeing 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 Senior Portfolio Manager also provides guidance on complex transactions, supports deal structuring where required, and works closely with internal stakeholders to ensure the long-term sustainability and quality of the portfolio. Main Accountabilities: 1. 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. 2. 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. 3. 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. 4. 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. 5. 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. 6. 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 in Finance, Accounting, Economics, or a related field, with a postgraduate qualification or professional certification in finance, credit, or risk management being advantageous. Experience: * 8–10 years’ experience in portfolio management, credit, or asset finance within a financial services environment. * 5 – 10 years’ experience within the transport industry 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 Competencies: * Commercial judgement and financial acumen * Analytical thinking and problem solving * Decision making and sound risk judgement * Stakeholder engagement and collaboration * Negotiation and influencing capability * Accountability and ownership * Results orientation and performance focus * Integrity and governance discipline