Credit Portfolio Manager III providing independent perspective in underwriting complex Wholesale Banking loans. Partnering with Relationship Managers while adhering to regulatory and compliance guidelines.
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
Partner with Relationship Managers and the Credit Portfolio Management Team Leader in delivering credit solutions
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
Prepare detailed short or long-term financial projections
Make recommendations to Relationship Managers and Credit Approvers
Manage assigned portfolio by proactively monitoring performance and trends
Participate or lead client calls with Relationship Manager for in-depth financial questions
Participate in special projects to aid with the continuous improvement of portfolio management
Adhere to all applicable laws and regulations governing bank operations
Requirements
Bachelor's degree in Accounting or Finance
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
Considered a SME for aligned industry, commercial credit and lending concepts, practices and regulations
Advanced written and analytical skills
Skilled in the analysis of financial statements, tax returns and cash flows of commercial & industrial companies, or commercial & residential real estate companies
Knowledge of financial statement spreading, including proficiency in preparing pro-forma statements within Moody's or other software package
PC proficiency with Word and Excel, including the use of system and user generated formulas, macros, charts, and tables
Strong organization skills with the ability to self-manage time and work flow to meet deadlines
Benefits
General information on our comprehensive benefits package can be found by visiting https://www.atlanticunionbank.com/about/careers/benefits
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