Corporate Credit Portfolio Manager III (Hybrid/Richmond or Reston)

Company: Atlantic Union Bank
Location: Reston
Posted on: November 19, 2024

Job Description:

DescriptionResponsible for providing an independent perspective in underwriting and managing complex Wholesale Banking loans and relationships up to the bank's legal lending limit. Partners with Relationship Managers, Credit Portfolio Managers, and the Credit Portfolio Management Team Leader in delivering credit solutions through: underwriting, portfolio management, deal team management, and extensive internal and external client interaction. Credit Portfolio Manager III is expected to be a subject matter expert (SME) in the respective portfolio and adheres to all regulatory and compliance guidelines.
Please note: This position may have location flexibility within the Richmond or Reston offices here in Virginia.
Position Accountabilities

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• Lead the independent underwriting process for new and renewal opportunities for clients and prospects with annual revenues $250MM and above within an assigned portfolio
  
• Manage more complex credits and larger portfolios within Wholesale with experience in underwriting and managing syndicated credits
  
• 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.
  
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  Prepare detailed short or long-term financial projections within AUB-approved M&A Projection Model
  
  
• 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.
  
  Organizational Relationship
  This position reports to the Team Leader - Credit Portfolio Management.
  Position Qualifications
  Education & Experience
  
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  • Bachelor's degree in Accounting or Finance and seven or more years of experience in a commercial lending environment
    
    Knowledge & Skills
    
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    • 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 workflow to meet deadlines.
      
    • Ability to manage multiple projects at one time.
      
    • Ability to work independently as well as within a team environment
      
      Salary offered will be based on several factors including but not limited to education, work experience, certifications, etc. This position is also eligible to participate in either an applicable incentive compensation plan for the position or a discretionary profit-sharing bonus program. General information on our comprehensive benefits package can be found by visiting .
      We are proud to be an EEO/AA employer, Minority/Female/Disability/Veteran. We maintain a drug-free workplace.
      
      

Keywords: Atlantic Union Bank, Potomac , Corporate Credit Portfolio Manager III (Hybrid/Richmond or Reston), Executive , Reston, Maryland