Credit Portfolio Manager III – Asset Based Lending

Atlantic Union Bank

. Responsible for providing an independent perspective in underwriting and managing complex Wholesale Banking loans and relationships up to the bank’s legal lending limit .

Posted 4/25/2026full-timeRemote • North Carolina • 🇺🇸 United StatesSeniorLead💰 $108,199 - $180,545 per yearWebsite

About the role

Key responsibilities & impact

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
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
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
Adhere to all applicable laws and regulations governing bank operations, including compliance with Atlantic Union Bankshares’ BSA/AML Policy and Procedures

Requirements

What you’ll need

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 to encompass an ability to analyze balance sheet structure, and income and cash flow trends
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

Benefits

Comp & perks

General information on our comprehensive benefits package can be found by visiting https://www.atlanticunionbank.com/about/careers/benefits.

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

underwritingportfolio managementfinancial analysisfinancial statement spreadingpro-forma statementscredit solutionsrisk ratingfinancial projectionscash flow analysisbalance sheet analysis

Soft Skills

independent perspectiveclient interactionanalytical skillscommunication skillsleadershipcollaborationproblem-solvingrecommendation skillsmonitoring performancetrend analysis

Certifications

Bachelor's degree in AccountingBachelor's degree in Finance