Credit Portfolio Manager IV – Equipment Finance
Job Description:
• Lead the independent underwriting process for new and renewal opportunities for clients and prospects within an assigned portfolio.
• Provide in-depth, independent analysis of financial statements, management competencies, industry impact, competitive dynamics, collateral, and guarantor support for new/renewal opportunities and other credit risk management deliverables.
• Prepare detailed short or long-term financial projections within a vendor provided solution such as nCino, Moody’s Risk Analyst, or within an Excel spreadsheet.
• Make recommendations to Relationship Managers and Credit Officer regarding credit amount, structure, and policy compliance.
• Manage assigned portfolio by proactively monitoring performance and trends, ensuring risk rating integrity, ensuring timely compliance with all covenants, identifying issues and following through for remediation, and assisting with compliance and regulatory reviews.
• Participate or lead client calls with the borrower’s CFO (or similar position) and Relationship Managers to address in-depth financial questions, deal information, collection of financial statements, and other portfolio management requirements.
• Participate in special projects to aid with the continuous improvement in underwriting and portfolio management.
Requirements:
• Bachelor's degree in Accounting or Finance and seven or more years of experience in a commercial lending environment
• Experience underwriting across multiple industries and asset types.
• Knowledge of Equipment Leasing concepts is a plus.
• 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.
• Consistently demonstrates ability to make complex decisions and sound business judgments regarding business and lending activities.
• Skilled in the analysis of financial statements, tax returns and cash flows of commercial & industrial companies.
• Knowledge of financial statement spreading, including proficiency in preparing pro-forma statements within nCino, Moody's or other software packages.
• Excellent written, oral and interpersonal skills, to include 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 and equipment types 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
Benefits:
• General information on our comprehensive benefits package can be found by visiting https://www.atlanticunionbank.com/about/careers/benefits
Apply Now
Apply Now
• Lead the independent underwriting process for new and renewal opportunities for clients and prospects within an assigned portfolio.
• Provide in-depth, independent analysis of financial statements, management competencies, industry impact, competitive dynamics, collateral, and guarantor support for new/renewal opportunities and other credit risk management deliverables.
• Prepare detailed short or long-term financial projections within a vendor provided solution such as nCino, Moody’s Risk Analyst, or within an Excel spreadsheet.
• Make recommendations to Relationship Managers and Credit Officer regarding credit amount, structure, and policy compliance.
• Manage assigned portfolio by proactively monitoring performance and trends, ensuring risk rating integrity, ensuring timely compliance with all covenants, identifying issues and following through for remediation, and assisting with compliance and regulatory reviews.
• Participate or lead client calls with the borrower’s CFO (or similar position) and Relationship Managers to address in-depth financial questions, deal information, collection of financial statements, and other portfolio management requirements.
• Participate in special projects to aid with the continuous improvement in underwriting and portfolio management.
Requirements:
• Bachelor's degree in Accounting or Finance and seven or more years of experience in a commercial lending environment
• Experience underwriting across multiple industries and asset types.
• Knowledge of Equipment Leasing concepts is a plus.
• 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.
• Consistently demonstrates ability to make complex decisions and sound business judgments regarding business and lending activities.
• Skilled in the analysis of financial statements, tax returns and cash flows of commercial & industrial companies.
• Knowledge of financial statement spreading, including proficiency in preparing pro-forma statements within nCino, Moody's or other software packages.
• Excellent written, oral and interpersonal skills, to include 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 and equipment types 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
Benefits:
• General information on our comprehensive benefits package can be found by visiting https://www.atlanticunionbank.com/about/careers/benefits
Apply Now
Apply Now