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-timeGreensboro • 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, ensuring timely compliance with all covenants, identifying issues and following through for remediation.
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.

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.
Considered a SME for aligned industry, commercial credit and lending concepts, practices and regulations.
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.
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 work flow to meet deadlines.
Ability to manage multiple projects at one time.
Ability to work independently as well as within a team environment.

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 analysiscredit solutionsfinancial statement analysispro-forma statementsfinancial projectionscredit amount structuringrisk rating integrityBSA/AML compliance

Soft Skills

analytical skillswritten communicationinterpersonal skillsnegotiationproblem resolutiontime managementorganizational skillsteam collaborationindependent workclient interaction

Certifications

Bachelor's degree in AccountingBachelor's degree in Finance