C&I Credit Portfolio Manager III
Atlantic Union Bank
full-time
Posted on:
Location Type: Hybrid
Location: Richmond • Virginia • United States
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Salary
💰 $108,199 - $180,545 per year
About the role
- 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.
- 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.
- Manage assigned portfolio by proactively monitoring performance and trends, ensuring risk rating integrity, and helping with compliance and regulatory reviews.
Requirements
- Bachelor's degree in Accounting or Finance and 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 to encompass an ability to analyze balance sheet structure, and income and cash flow trends.
- 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.
- Excellent written, oral and interpersonal skills, to include selling, structuring, negotiating, closing, maintenance, modifications and problem resolution.
- 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
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
underwritingportfolio managementfinancial analysisfinancial statement spreadingpro-forma statementscredit risk managementfinancial projectionscash flow analysisbalance sheet analysisregulatory compliance
Soft Skills
analytical skillswritten communicationinterpersonal skillsorganizational skillstime managementproblem resolutionnegotiationteam collaborationproject managementclient interaction
Certifications
Bachelor's degree in AccountingBachelor's degree in Finance