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Atlantic Union Bank · 1 day ago

Credit Portfolio Manager III (HYBRID)

Richmond, VA

Full-time

Hybrid

Senior Level

7+ years exp

Atlantic Union Bank is seeking a Credit Portfolio Manager III to lead the independent underwriting process for complex credits and larger portfolios within the Wholesale Bank. The role involves in-depth analysis of financial statements and managing the assigned portfolio while ensuring compliance with regulations and policies.

BankingFinancial ServicesWealth Management

Growth Opportunities

Responsibilities

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 Moody’s Risk Analyst or within an Excel spreadsheet

Make recommendations to Relationship Managers and Credit Approvers 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 Relationship Manager for 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 of portfolio management

Adhere to all applicable laws and regulations governing bank operations, including compliance with Atlantic Union Bankshares’ BSA/AML Policy and Procedures

Prioritize new deal, renewal, and portfolio management requirements and coordinate as appropriate with clients and prospects, Relationship Managers, Credit Risk, Treasury Management, and other internal and external stakeholders

This senior position may mentor CPMs I and II, as appropriate

Qualification

Commercial lending experienceFinancial statement analysisCredit risk managementMoody's Risk AnalystConstruction loan underwritingAdvanced analytical skillsProblem resolutionPC proficiencyWritten communicationInterpersonal skillsTime managementTeam collaboration

Required

Bachelor's degree in Accounting or Finance and seven or more years of experience in a commercial lending environment

Experience across multiple lines of business, including but not limited to Commercial & Industrial, real estate development and builder lines, service, retail, commercial real estate, religious organizations and government

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, or commercial & residential real estate companies (as applicable)

Knowledge of financial statement spreading, including proficiency in preparing pro-forma statements within Moody's or other software package

Excellent written, oral and interpersonal skills, to include selling, 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 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