Credit Products Portfolio Manager II

Job Responsibilities

• Credit Structuring & Underwriting: Lead underwriting efforts for complex loan requests, assessing creditworthiness and recommending risk-mitigating structures.
• Portfolio & Risk Management: Continuously monitor assigned portfolio to proactively identify credit risks, trends, and financial performance concerns.
• Client & Stakeholder Engagement: Partner with RMs in negotiations and client discussions, ensuring alignment between client needs and risk appetite.
• Credit Agreement Review: Collaborate with legal teams to review and negotiate credit agreements, ensuring compliance with bank policies and risk management frameworks.
• Mentorship & Training: Provide guidance to junior credit professionals, enhancing team capabilities and fostering a strong credit culture.
• Identifies and raises to leadership improvement areas in credit processes and procedures
• Analyzes and resolves problems pertaining to the assigned portfolio.

Job Requirements

• Required Qualifications: Education level required: Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field or 10+ years of equivalent experience. Minimum experience required: 4+ Years in commercial credit analysis, underwriting, or portfolio management. Advanced financial modeling and risk assessment expertise. Strong negotiation skills and ability to collaborate with clients. Experience structuring complex loan transactions. Ability to analyze macroeconomic trends and their impact on credit risk.