Credit Portfolio Manager III

About the role

Provide an independent perspective in underwriting and managing complex Wholesale Banking loans and relationships up to the bank’s legal lending limit. Partner with Relationship Managers, Credit Portfolio Managers, and the Credit Portfolio Management Team Leader to deliver credit solutions through underwriting, portfolio management, deal team management, and extensive internal and external client interaction. Serve as a subject matter expert (SME) in the respective portfolio while adhering to all regulatory and compliance guidelines.

Responsibilities

• Lead the independent underwriting process for new and renewal opportunities for clients and prospects within an assigned portfolio, focusing on complex credits and larger portfolios.
• 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 using Moody’s Risk Analyst or Excel.
• Make recommendations to Relationship Managers and Credit Approvers regarding credit amount, structure, and policy compliance.
• Proactively monitor assigned portfolio performance and trends, ensure risk rating integrity, compliance with covenants, identify issues, and follow through for remediation.
• Assist with compliance and regulatory reviews.
• Participate or lead client calls with Relationship Managers for in-depth financial discussions, deal information, and portfolio management requirements.
• Participate in special projects to improve portfolio management processes.
• Adhere to all applicable laws and regulations, including Atlantic Union Bankshares’ BSA/AML Policy and Procedures.
• Prioritize new deals, renewals, and portfolio management requirements while coordinating with clients, Relationship Managers, Credit Risk, Treasury Management, and other stakeholders.
• Mentor Credit Portfolio Managers I and II, as appropriate.

Requirements

• 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 Commercial & Industrial, real estate development, service, retail, commercial real estate, religious organizations, and government.
• If supporting commercial real estate lenders, skills in construction loan underwriting and administration (construction budgets, sources/uses, construction draw administration, property entitlement, lease analysis, and property valuation principles).
• Subject matter expertise in aligned industry, commercial credit, and lending concepts, practices, and regulations.
• Advanced written and analytical skills to analyze balance sheet structure, income, and cash flow trends.
• Ability to make complex decisions and sound business judgments regarding lending activities.
• Skilled in analyzing financial statements, tax returns, and cash flows of commercial & industrial or commercial & residential real estate companies.
• Proficiency in financial statement spreading and preparing pro-forma statements using Moody’s or similar software.
• Excellent written, oral, and interpersonal skills, including selling, structuring, negotiating, and problem resolution.
• PC proficiency with Word and Excel, including formulas, macros, charts, and tables.
• Ability to research industry sources for credit evaluations.
• Strong organizational skills with the ability to self-manage time and workflow to meet deadlines.
• Ability to manage multiple projects simultaneously.
• Ability to work independently and within a team environment.

Benefits

Eligible to participate in either an applicable incentive compensation plan or a discretionary profit-sharing bonus program. Comprehensive benefits package available; details can be found at Atlantic Union Bank Careers - Benefits.

Pay

Salary offered will be based on several factors including education, work experience, and certifications.