Credit Portfolio Manager III

Position Accountabilities

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.

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.

Position Qualifications

• Education & Experience: Bachelor's degree in Accounting or Finance and seven or more years of experience in a commercial lending environment
• Knowledge & Skills: 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: Ability to analyze balance sheet structure, and income and cash flow trends. Consistently demonstrates ability to make complex decisions and sound business judgments regarding business and lending activities.
• Financial statement analysis: Knowledge of financial statement spreading, including proficiency in preparing pro-forma statements within Moody’s or other software package.
• Interpersonal skills: Excellent written, oral and interpersonal skills, to include selling, structuring, negotiating, closing, maintenance, modifications and problem resolution.
• Technical skills: PC proficiency with Word and Excel, including the use of system and user generated formulas, macros, charts, and tables.
• Industry knowledge: Ability to research industry sources needed for credit evaluations.
• Organizational skills: Strong organization skills with the ability to self-manage time and work flow to meet deadlines.
• Project management: Ability to manage multiple projects at one time.
• Teamwork: Ability to work independently as well as within a team environment.