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

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. while effectively utilizing and providing feedback to, third party resources.
• 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.
• Partner 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)