Hybrid C&I Credit Portfolio Manager III

at Atlantic Union Bank

• Job title: C&I Credit Portfolio Manager III
• Job type: Full Time
• Experience level: Senior, Lead
• Salary: $108,199 - $180,545 per year
• Degree requirement: Bachelor's Degree
• Location requirements: Hybrid, Richmond, United States

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