Credit Portfolio Manager II performing financial analysis needed to make credit decisions and recommend solutions. Managing a designated portfolio of commercial loans in compliance with regulations.
Responsibilities
performs the financial analysis needed to make credit decisions on new and existing business
supports the commercial banking team and recommends credit solutions that add value to the Customer
manages a designated portfolio of commercial loans assuring all aspects of compliance with loan agreements, regulatory requirements and underwriting and risk rating policy are met
oversees the overall risk profile of a designated portfolio, identifying potential macro and micro risk issues (both positive and negative) early on
manages complex credit activities to ensure performance quality, consistency of underwriting and timeliness meets or exceeds Customer expectations
may manage overall analytical support and workflow production needs for a department
works on larger, complex deals, mainly focused on Middle Market and highly specialized lending
acts as a consultant to business lines regarding credit issues, processes and procedures
functions as a resource for business lines and works with senior management on various issues; managing expectations and negotiating timelines
partners with Lending/Credit Officers to address exceptions identified by internal/external auditors and/or examiners
performs periodic inspections at Customer sites to audit accounts and ensure adherence to loan agreements and terms; takes appropriate action as necessary to correct deficiencies
coordinates with Account and Relationship Managers to perform routine financial analyses and credit investigations
may communicate credit decisions to Relationship Managers and Account Managers
manages and oversees workflow and adherence to policy for department
participates in organizational cost benefit analysis and implementation
manages activities by creating and maintaining quantifiable service level standards against business performance
ensures timeliness of information and efficiency in process and workflow
maintains confidentiality of credit and customer information at all times
may lead a team of Credit Analysts within a region or market
Requirements
Bachelor's degree or work experience equivalent to a Bachelor's degree required
10+ years related experience required
Strong understanding of commercial business development techniques and credit decisions
Demonstrates credit and financial analysis skills
Working knowledge of capital markets is a plus
Refined negotiation skills
Demonstrates communication skills, both verbal and written
Demonstrates PC skills
Benefits
health and well-being benefits
savings and retirement programs
paid time off (including Vacation PTO, Flex PTO, and Holiday PTO)
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