About the role

  • Credit Portfolio Manager III managing complex Wholesale Banking loans and relationships at Atlantic Union Bank. Leading underwriting and credit solutions while collaborating with internal and external stakeholders.

Responsibilities

  • 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.
  • 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.
  • Manage assigned portfolio by proactively monitoring performance and trends, ensuring risk rating integrity, and helping with compliance and regulatory reviews.

Requirements

  • Bachelor's degree in Accounting or Finance and seven or more years of experience in a commercial lending environment
  • 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.
  • Advanced written and analytical skills to encompass an ability to analyze balance sheet structure, and income and cash flow trends.
  • 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.
  • Strong organization skills with the ability to self-manage time and workflow to meet deadlines.
  • Ability to manage multiple projects at one time.
  • Ability to work independently as well as within a team environment.

Benefits

  • General information on our comprehensive benefits package can be found by visiting https://www.atlanticunionbank.com/about/careers/benefits

Job title

C&I Credit Portfolio Manager III

Job type

Experience level

SeniorLead

Salary

$108,199 - $180,545 per year

Degree requirement

Bachelor's Degree

Location requirements

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