Vice President, Portfolio Management (State and Local Governments and Education Team)

Job Summary

The Vice President, Portfolio Management is responsible for financial analysis and preparing underwriting documentation to support multimillion-dollar credit requests within the State & Local Governments and Education (SLED) portfolio.

Responsibilities

• Gather and analyze all relevant financial data for, often high value, clients or prospects, including spreading financial statements and/or collaborating with third party vendor to ensure accuracy of financial spreads statements, analyzing historical performance, accurately calculating credit metrics, identifying risks and mitigants, and assessing creditworthiness, etc.
• Demonstrate leadership in structuring transactions, in collaboration with Business Partners/Bankers/and Relationship Managers.
• Viewed as a value-add financial advisor by the client/borrower, critical and knowledgeable contributor to the deal team and respected by Credit for a solid reputation managing risk.
• Prepare clear and comprehensive credit underwriting document outlining transaction structure, financial performance, risks and mitigants, and compliance with credit policy.
• Analyze borrower financial statements, budgets, and operating data to assess creditworthiness, repayment capacity, and risk ratings.
• Manage ongoing portfolio monitoring activities, including covenant compliance, risk rating accuracy, and identification of emerging credit concerns.
• Participate in the approval process for lending commitments, amendments, waivers, and consents, including addressing feedback from Credit partners.
• Review and maintain loan documentation to ensure alignment with approved credit terms and conditions.
• Ensure compliance with all applicable policies and regulatory requirements, including Know Your Customer (KYC) and related due diligence processes.
• Purpose with Relationship Managers to support client interactions, deal execution, and identification of cross-sell opportunities.
• Maintain accurate data and reporting within required systems (e.g., nCino, Salesforce, and other internal platforms).
• Contribute to team initiatives, process improvements, and ad hoc projects as assigned.
• Provide guidance and feedback to Analysts and Associates as appropriate.

Qualifications

• Bachelor's Degree or equivalent work experience in finance, accounting, economics and/or business (required).
• Minimum 5 years of commercial underwriting, credit, banking and/or financial services experience (required). Municipal, public sector, or not-for-profit 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 creditworthiness and create a detailed and thorough underwriting package (required).
• Experience structuring meaningful and appropriate financial covenants for municipal and not-for-profit credit facilities (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 (required).
• Strong understanding of banking products, credit structures, and loan documentation. Ability to manage multiple deliverables and meet deadlines in a fast-paced environment.
• Strong written and verbal communication skills with the ability to synthesize complex information.
• 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).

Skills

• Financial & Credit Acumen (expert level).
• Sound Judgment (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).
• Resilience & Ability to Manage Ambiguity (Experienced Level).
• Critical Thinking & Intellectual Curiosity (Expert Level).
• Leadership & Influencing (Experienced Level).

Benefits

Not specified.

Pay

Not specified.

Schedule

Not specified.