Credit Portfolio Manager III (Hybrid--TN, KY)

About the role

Provides 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.

Responsibilities

• Underwrites new and renewal opportunities for clients and prospects within an assigned portfolio.
• Prepares detailed short or long-term financial projections using Moody’s Risk Analyst or Excel spreadsheets.
• Makes recommendations to Relationship Managers and Credit Approvers regarding credit amount, structure, and policy compliance.
• Manages assigned portfolio by proactively monitoring performance and trends, ensuring risk rating integrity, and assisting with compliance and regulatory reviews.
• Participates or leads client calls with Relationship Managers for in-depth financial questions, deal information, and other portfolio management requirements.
• Participates in special projects to aid with the continuous improvement of portfolio management.
• Adheres to all applicable laws and regulations governing bank operations, including compliance with Atlantic Union Bankshares’ BSA/AML Policy and Procedures.
• Prioritizes new deal, renewal, and portfolio management requirements and coordinates as appropriate with clients and prospects, Relationship Managers, Credit Risk, Treasury Management, and other internal and external stakeholders.
• Mentors CPMs I and II, as appropriate.

Requirements

Requires a bachelor's degree in Accounting or Finance and seven or more years of experience in a commercial lending environment. 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).

Qualifications

• 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.
• Ability to research industry sources needed for credit evaluations.
• 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.

Skills

• Advanced written and analytical skills.
• 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.
• PC proficiency with Word and Excel.
• Ability to research industry sources needed for credit evaluations.

Benefits

Atlantic Union Bankshares offers a comprehensive benefits package that includes health insurance, retirement plans, and paid time off. For more information, visit this link.

Pay

The salary offered will be based on several factors including but not limited to education, work experience, certifications, etc.

Schedule

This position is full-time.

Company Information

We are proud to be an Equal Employment Opportunity employer. We maintain a drug-free workplace.