Lead independent underwriting and risk management for clients and prospects within a complex commercial portfolio. Preparing financial projections and providing recommendations to credit approvers in a hybrid role.
Responsibilities
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.
Prepare detailed short or long-term financial projections within a vendor-provided solution such as Moody’s Risk Analyst or within an Excel spreadsheet.
Make recommendations to Relationship Managers and Credit Approvers regarding credit amount, structure, and policy compliance.
Manage assigned portfolio by proactively monitoring performance and trends, ensuring risk rating integrity.
Participate or lead client calls with Relationship Manager for in-depth financial questions and other portfolio management requirements.
Participate in special projects to aid with the continuous improvement of portfolio management.
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
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 (as applicable)
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 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 .
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