Vice President, Portfolio Management (Commercial and Industrial Upper Middle Market)

About the role

The VP, Portfolio Management is responsible for performing financial analysis and preparing underwriting documents to support corporate credit requests, maintaining asset quality within a moderate risk profile, and assisting in cross-selling additional bank products.

Responsibilities

• Gather and analyze all relevant financial data for clients or prospects, including spreading financial statements and analyzing historical performance, accurately calculating credit metrics, identifying risks and mitigants, and assessing creditworthiness.
• Model future financial performance of clients and prospects, including downside scenarios.
• Structure transactions in collaboration with Business Partners/Bankers/and Relationship Managers, viewed as a value-add financial advisor by the client/borrower.
• Manage the approval process for lending commitments, amendments, waivers, and consents, including providing monitoring, reporting, and recommendations to Credit Executives.
• Review and maintain legal documentation, including credit agreements, guarantees, security pledges, and collateral documentation.
• Monitor accounts and ongoing financial performance to track covenant compliance, determine liquidity, earnings trends, and management capability.
• Identify potential problem accounts and work with the Asset Recovery Group to improve the bank's position in undesirable situations.
• Establish and maintain direct client relationships, attend management presentations, bank meetings, and conduct plant/site visits to monitor business conditions and identify new underwriting opportunities.
• Contribute to or prepare white papers on assigned industry segments, as requested.
• Provide guidance and feedback to Analysts and Associates as appropriate.
• Perform other duties as assigned.

Requirements

• Minimum 5 years of commercial underwriting, credit, banking and/or financial services experience (required).
• Commercial and Industrial (C&I) underwriting strongly preferred.
• Competent with Microsoft Office and the ability to learn and effectively utilize other technology applications (required).
• Demonstrated competence in financial analysis and modeling (required).
• Well-established ability to gather relevant research, analyze data, and concisely synthesize large amounts of information in order to accurately assess corporate creditworthiness and create a detailed and thorough underwriting package (required).
• Experience structuring meaningful and appropriate financial covenants for syndicated debt facilities (required).
• Developing experience managing the left lead / administrative agent role in syndicated deals (required).
• Ability to lead discussions with clients during negotiations and act as primary lending representative on deal execution, leveraging senior leaders as appropriate (required).
• Knowledge of business and legal elements of credit agreements, and the ability to work with counsel and collaborate through document negotiations on agented transactions and/or assist lead syndicator in document negotiations (required).
• Solid understanding of banking and investment banking products and services and current market dynamics, trends, and terms (required).
• Effective and polished presentation and communication skills, with the ability to collaboratively influence and challenge with impact (required).
• Ability to plan, multi-task, manage time effectively, and lead work independently with limited direction (required).

Qualifications

• Bachelor's Degree or equivalent work experience in finance, accounting, economics and/or business (required).
• MBA (preferred).

Skills

• Financial & Credit Acumen (expert level).
• Sound Judgement (expert level).
• Communication (expert level).
• Effective Transaction Management (experienced level).
• Effective Risk Management including Loan Documentation (experienced level).
• Proactive Time Management (expert level).
• Collaboration & Teamwork (experienced level).
• Accountability (expert level).
• Critical Thinking & Intellectual Curiosity (expert level).
• Leadership & Influencing (experienced level).
• Enterprise Mindset (working knowledge level).

Benefits

Eligible for a base salary in the range of $96,000.00 - $181,000.00 annually, with the possibility of incentive compensation including production, commission, and/or discretionary incentives. For a full list of benefits, please click here.

Pay

This position is eligible to earn a base salary in the range of $96,000.00 - $181,000.00 annually.

Schedule

Work Location Category: Hybrid (3+ days).