Special Credits Portfolio Manager
Hancock Whitney
full-time
Posted on:
Location Type: Office
Location: New Orleans • Louisiana • United States
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About the role
- Independently underwrites and analyzes complex criticized loan relationships, including restructures, forbearances, extensions, renewals, and modifications.
- Serves as a senior technical resource; provides informal guidance, quality review, and coaching on underwriting practices and policy requirements.
- Works as a core member of the Workout Delivery Team with Asset Managers, Credit Officers, Legal, Collateral Specialists, and Relationship Managers.
- Leads the collection and assessment of financial statements, collateral information, legal documentation, and third-party reports to support transaction structuring.
- Independently prepares and presents detailed loan requests and risk assessments to Credit Officers with limited guidance.
- Conducts advanced borrower, industry, and market analyses to identify emerging risks and recommend risk mitigation strategies.
- Monitors covenant compliance, collateral performance, and borrower reporting; proposes corrective actions as exceptions arise.
- Supports Asset Managers in negotiating borrower communications, including action plans, conditions, and documentation requirements.
- Identifies deteriorating situations early and contributes to the formulation of problem-loan strategies.
- Reviews and validates legal documentation associated with criticized actions to ensure alignment with approval terms and bank standards.
- Tracks and resolves document exceptions; ensures accurate and timely system updates.
- May lead special projects, process improvements, or portfolio analytics initiatives.
- Secures and safeguards all customer information according to Bank guidelines.
- Participates in civic, community, and industry activities as needed.
- Performs other duties and special projects as assigned.
Requirements
- Bachelor’s degree in Business Administration, Finance, Accounting, or related field.
- 5+ years of credit analysis, underwriting, or workout experience with progressively increasing responsibility.
- Demonstrated experience underwriting moderately complex to complex criticized or distressed commercial relationships.
- Strong understanding of commercial lending, legal documentation, financial analysis, and regulatory expectations.
- Advanced ability to interpret financial statements, cash-flow performance, and collateral structures.
- Strong ability to present complex analyses and recommendations.
- Strong problem-solving and risk assessment skills.
Benefits
- Equal Opportunity/Affirmative Action Employers
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
credit analysisunderwritingfinancial analysisrisk assessmentloan structuringcovenant compliancecollateral performancelegal documentation reviewproblem-loan strategiesportfolio analytics
Soft Skills
problem-solvingcommunicationcoachingleadershipnegotiationanalytical thinkingpresentation skillscollaborationguidanceadaptability