Job Description
About the position 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. The position will be assigned to some of the more complex credits and larger portfolios within the Wholesale Bank. 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.
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, ensuring timely compliance with all covenants, identifying issues and following through for remediation, and assisting with compliance and regulatory reviews. Participate or lead client calls with Relationship Manager for in-depth financial questions, deal information, collection of financial statements, and other portfolio management requirements.
Participate in special projects to aid with the continuous improvement of portfolio management. Adhere to all applicable laws and regulations governing bank operations, including compliance with Atlantic Union Bankshares' BSA/AML Policy and Procedures. Prioritize new deal, renewal, and portfolio management requirements and coordinate as appropriate with clients and prospects, Relationship Managers, Credit Risk, Treasury Management, and other internal and external stakeholders. This senior position may mentor CPMs I and II, as appropriate.
Responsibilities • Provide independent perspective in underwriting and managing complex Wholesale Banking loans. • Partner with Relationship Managers and Credit Portfolio Management Team Leader. • Lead the independent underwriting process for new and renewal opportunities. • Provide in-depth analysis of financial statements and management competencies. • Prepare detailed financial projections using Moody's Risk Analyst or Excel. • Make recommendations regarding credit amount, structure, and policy compliance.
• Manage assigned portfolio by monitoring performance and trends. • Ensure timely compliance with all covenants and assist with regulatory reviews. • Participate or lead client calls for financial questions and portfolio management. • Participate in special projects for continuous improvement of portfolio management. • Adhere to all applicable laws and regulations governing bank operations. • Prioritize new deal, renewal, and portfolio management requirements. 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 Commercial & Industrial and real estate. • Considered a subject matter expert in aligned industry and commercial credit. • Advanced written and analytical skills. • Ability to make complex decisions and sound business judgments. • Skilled in the analysis of financial statements and cash flows. • Knowledge of financial statement spreading and pro-forma statements preparation.
• Excellent written, oral, and interpersonal skills. • PC proficiency with Word and Excel. Benefits • Comprehensive benefits package including health insurance. • Eligible for incentive compensation plan or discretionary profit sharing bonus. Apply tot his job Apply tot his job