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Atlantic Union Bank · 14 hours ago

Credit Portfolio Manager IV (REMOTE)

United States

Full-time

Remote

Senior Level

7+ years exp

Atlantic Union Bank is seeking a Credit Portfolio Manager IV to provide an independent perspective in underwriting and managing complex Wholesale Banking loans and relationships. The role involves leading the underwriting process, managing assigned portfolios, and ensuring compliance with regulatory guidelines.

BankingFinancial ServicesWealth Management

Growth Opportunities

Responsibilities

Participates or leads client calls with Relationship Manager for in-depth financial questions, deal information, collection of financial statements, and other portfolio management requirements

Leads the independent underwriting process for new and renewal opportunities for clients and prospects within an assigned portfolio. The position will be assigned to some of the more complex credits and larger portfolios within the Wholesale Bank

Provides in-depth, independent and objective analysis of financial statements, management competencies, industry impact, competitive dynamics, collateral, and guarantor support for new/renewal opportunities and other credit risk management deliverables

Prepares detailed financial projections within a vendor-provided credit tool, such as Moody’s Risk Analyst, or within an Excel template

Makes recommendations to Relationship Managers and Credit Approvers regarding credit amount, structure, and policy compliance

Manages assigned portfolio by proactively monitoring performance and trends, ensuring risk rating integrity, ensuring timely compliance with all covenants, identifies issues and suggests remediation solutions, and assists with compliance and regulatory reviews. Assigned portfolio consistently maintains an exception rating at or near the Bank defined benchmark

Effectively prioritizes new deal, renewal and portfolio management requirements as well as coordinates any necessary items/requests, as appropriate, with clients and prospects and internal Bank partners

Exhibits willingness to lead additional special projects, to aid with the continuous improvement of portfolio management, as delegated by the team lead

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

Qualification

Credit analysisFinancial projectionsCommercial lendingPortfolio managementConstruction loan underwritingAnalytical skillsInterpersonal skillsOrganization skillsTeam collaborationMentoring

Required

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

Employed at Atlantic Union Bank for more than 12 consecutive months and possesses a working institutional knowledge of the Bank credit policy and risk & industry appetite

Demonstrate the highest level of credit aptitude, analytical skills, and industry knowledge across respective line of business and deal types

Experienced across business industries including but not limited to, commercial & industrial operating companies, residential real estate developers and builders, service provider, retail operations, commercial real estate developers and investors, religious organizations and government

Actively participates in complex decisions and exhibits sound business judgments regarding business and lending activities

Considered a SME for aligned industry, commercial credit and lending concepts, practices and regulations

Skilled in the analysis of financial statements, tax returns and cash flows of commercial & industrial companies, or commercial & residential real estate companies (as applicable)

Abreast of current conditions, events of significance and emerging trends within respective LOB/sector

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 Bank

Strong organization skills with the ability to self-manage time, work flow and multiple project to meet deadlines

Exhibits willingness to proactively seek learning opportunities to continually improve performance and knowledge base

Ability to work independently as well as within a team environment

Capability to function as back-up for Team Lead, as needed

Proven peer mentor with the ability to partner with and train junior CPM teammates in underwriting skills and vital portfolio management tasks

Possesses the ability to improve job function by identifying deficiencies in processes/procedures related to job function and is able to recommend ways to improve