Onsite Special Credits Portfolio Manager

Posted 17 minutes ago

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About the role

  • Special Credit Portfolio Manager handling complex criticized loan relationships and advanced underwriting at Hancock Whitney. Collaborating with asset managers and demonstrating strong credit judgment for risk mitigation strategies.

Responsibilities

  • Independently underwrites and analyzes complex criticized loan relationships, including restructures, forbearances, extensions, renewals, and modifications.
  • Serves as a senior technical resource; provides informal guidance, quality review, and coaching on underwriting practices and policy requirements.
  • Works as a core member of the Workout Delivery Team with Asset Managers, Credit Officers, Legal, Collateral Specialists, and Relationship Managers.
  • Leads the collection and assessment of financial statements, collateral information, legal documentation, and third-party reports to support transaction structuring.
  • Independently prepares and presents detailed loan requests and risk assessments to Credit Officers with limited guidance.
  • Conducts advanced borrower, industry, and market analyses to identify emerging risks and recommend risk mitigation strategies.
  • Monitors covenant compliance, collateral performance, and borrower reporting; proposes corrective actions as exceptions arise.
  • Supports Asset Managers in negotiating borrower communications, including action plans, conditions, and documentation requirements.
  • Identifies deteriorating situations early and contributes to the formulation of problem-loan strategies.
  • Reviews and validates legal documentation associated with criticized actions to ensure alignment with approval terms and bank standards.
  • Tracks and resolves document exceptions; ensures accurate and timely system updates.
  • May lead special projects, process improvements, or portfolio analytics initiatives.
  • Secures and safeguards all customer information according to Bank guidelines.
  • Participates in civic, community, and industry activities as needed.
  • Performs other duties and special projects as assigned.

Requirements

  • Bachelor’s degree in Business Administration, Finance, Accounting, or related field.
  • 5+ years of credit analysis, underwriting, or workout experience with progressively increasing responsibility.
  • Demonstrated experience underwriting moderately complex to complex criticized or distressed commercial relationships.
  • Strong understanding of commercial lending, legal documentation, financial analysis, and regulatory expectations.
  • Advanced ability to interpret financial statements, cash-flow performance, and collateral structures.
  • Strong ability to present complex analyses and recommendations.
  • Strong problem-solving and risk assessment skills.

Benefits

  • Equal Opportunity/Affirmative Action Employers

Job title

Special Credits Portfolio Manager

Job type

Experience level

Mid levelSenior

Salary

Not specified

Degree requirement

Bachelor's Degree

Location requirements

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