Commercial Portfolio Manager

Hancock Whitney; Gulfport (MS); On-site; USD 90,000 - 120,000; Full time

Job summary

Hancock Whitney is seeking a Commercial Portfolio Manager 2 to join our Wholesale Banking Credit Delivery team in the Gulfport area. The role focuses on credit analysis, underwriting, and portfolio management for a diverse commercial client base, including industries such as manufacturing and services.

You will collaborate with RMs, market leadership, and credit officers to structure and monitor loan facilities, ensure policy compliance, and identify cross-sell opportunities while maintaining

Qualifications

• Bachelor's degree required; prefer Business Administration, Finance, Accounting.
• 3+ years of general banking, credit analysis, or related experience.
• Credit analysis training or underwriting and loan portfolio management experience preferred.
• Excellent verbal, written and interpersonal skills.
• Ability to read financial statements and tax returns.
• Knowledge of non-credit bank products and services.
• Strong credit, risk management and negotiation skills.
• Understanding of lending policy and regulatory guidelines.
• Analytical and financial analysis capability; proficient with financial calculators.
• Ability to interpret business and personal financial statements.

Responsibilities

• Originate, monitor, maintain and grow Wholesale Banking relationships.
• Perform credit analysis, underwriting and portfolio management.
• Ensure compliance with credit policies and regulatory guidelines.
• Prepare credit packages and exam reviews for new and existing loans.
• Coordinate with RMs, credit officers and market leadership throughout underwriting and portfolio management.
• Review borrower financials and loan documentation for accuracy.
• Assist in cross-sell opportunities and client servicing.

Skills

Credit analysis

Relationship management

Analytical skills

Financial statement analysis

Negotiation skills

Regulatory knowledge

Communication skills

Lending policy knowledge

Financial calculations

Banking knowledge

Education

Bachelor's degree in Business Administration, Finance, Accounting or related field

Job description

JOB FUNCTION / SUMMARY

Working under the direct supervision of a Portfolio Group Manager, Senior Group Sales Manager or Market President, the Commercial Portfolio Manager 2 is a contributing member of the client's Credit Delivery Team, i.e., Relationship Manager (RM), Commercial Client Administrator (CCA), market leadership, credit officer, etc. Adhering to the guidance of bank policy and standards, this position's primary responsibilities include credit analysis, underwriting and portfolio management. The assigned portfolio will primarily consist of Wholesale Banking relationships representing a range of industries including general C & I, manufacturing, distribution, professional services, transportation and specialties. The loan portfolio products include, but are not limited to, lines of credit, term notes, owner-occupied real estate and ancillary credit products. The position will also assist in identifying and recommending new prospective clients to grow the portfolio and cross-sale opportunities to strengthen existing client relationships.

SCOPE

The Commercial Portfolio Manager 2 will be assigned to manage a loan portfolio of Wholesale Banking credits of simple to moderate complexity. The portfolio will typically represent 15 - 25 relationships and approximately $50 - $75 million in total commitments (will vary by market).

ESSENTIAL DUTIES & RESPONSIBILITIES

ESSENTIAL DUTIES

• Effectively partners with RMs, market leadership, senior management and credit officers to originate, monitor, maintain and grow profitable Wholesale Banking relationships.
• Perform due diligence, credit analysis, underwriting, recommend borrower and facility risk assessment ratings and preparation of credit approval packages for new and existing loans, extensions, modifications and amendments.
• Perform on-going portfolio management, monitoring and risk management activities to confirm that relationships adhere with established credit policy, procedures and business strategy, as well as commercial and regulatory guidelines.
• Ensure loan agreements are accurately documented as approved, are added to the master loan agreement tracking reports and monitored for compliance.
• Prepare annual or administrative reviews to assess client and guarantor financial performance, covenant compliance and to update borrower and facility risk ratings. Ensure that reviews are completed within established target review dates.
• Effectively communicates with various internal business partners, i.e., loan operations, credit services, credit review, audit, treasury services, etc., engaging them as appropriate throughout the underwriting and portfolio management process.
• As appropriate, participate with RMs in client/prospect calls in order to gain a thorough understanding of the client/prospect and their business.

ADDITIONAL DUTIES

• Partners with the RM in preparing the due diligence and analysis required for the preparation of an opportunity memo for new-to-bank client relationships.
• As appropriate, partners with the RM as a point of contact for the client or liaison to the Credit Delivery Team and other business partners.
• As appropriate, participates with the RM in the discussions and presentation of credit requests to local market leadership and credit officers.
• Works closely with the RM and CCA to assist with client servicing, collecting borrower and guarantor financials, transaction information, monitoring loan maturities and past due loans, etc.
• Review borrowing base certificates, verification of liquidity and other periodic documentation in accordance with applicable loan agreement monitoring.
• Conducts the appropriate due diligence and industry and market analysis to evaluate client and guarantor credit capacity and quality.
• Keeps informed of current economic conditions and legislation which may affect client relationships and the Wholesale Line of Business.
• Performs pre-closing documentation review of new/renewal lending documents, both internally and externally prepared, inspecting for completeness and accuracy in accordance with the loan approval.
• Periodically review the borrower's electronic file depository to assess for the completeness of files and that documents are accurately filed.
• Monitors client operating performance against original underwriting and projections upon receipt of required reporting information.
• Verifies that coding, borrower and facility risk rating assessments (and dates) and expected loss ratios are accurate and correctly recorded on the loan system.
• Works closely with the RM and CCA to monitor and resolve document exceptions that may arise including, but not limited to, loan coding, collateral and critical documentation exceptions, etc. As required, actively participates on the loan agreement exception tracking calls.
• Promptly notifies the Director of Portfolio Management and Underwriting of any upward or downward (numerical) movement in a client's borrower risk assessment.
• As appropriate, assists in the preparation of Watch Reports and is available to make presentations to Watch Committee as needed.
• Provide assistance with special projects for the portfolio management team or region as needed.
• As required, respond timely to credit review to answer questions and provide any missing documentation.
• Continue to develop advanced underwriting skills and analytical techniques through interactions with their manager, credit officers and other senior associates.
• Support and assist other team members as workload dictates.
• Openly exchanges ideas and opinion and expresses concerns.
• Safeguards all client information in adherence to bank guidelines, including personal client data, account data and other sensitive information.
• Maintains a working knowledge of bank policies and procedures regarding applicable federal, state, and local banking and industry related laws and regulations applicable to the position, including but not limited to, Anti-Money Laundering, Gramm-Leach-Bliley, OFAC, CRA, Fair Lending, Bank Secrecy Act, etc.
• Ensures timely and successful completion of all assigned bank training.
• Responsible to report any procedure or process that doesn't meet regulatory requirements including fraud, whether suspected or confirmed, to management. This reporting can be directly made to management, including Human Resources or Corporate Security, or can be reported anonymously via the Integrity in Action hotline.
• Responsible for identifying and recommending cross-sell opportunities of ancillary bank products including, but not limited to, Treasury Services, International Banking, Equipment Finance, Private Banking, etc.
• Annual involvement in at least one (1) civic, community or industry-related activity is strongly encouraged.

SUPERVISORY RESPONSIBILITIES

NONE

MINIMUM REQUIRED EDUCATION, EXPERIENCE & KNOWLEDGE

• Bachelor's degree is required. A Bachelor's degree in Business Administration, Finance, Accounting or related field is preferred.
• 3+ years of general banking experience, credit analysis, relationship management, or a combination of related experience.
• Credit analysis training, certificate program and/or experience, underwriting, loan portfolio management experience, working closely with Credit Analysts, Commercial Underwriters, RMs or other commercial bankers is preferred.
• Excellent verbal, written & interpersonal skills. Ability to read, analyze and interpret business periodicals, professional journals, technical procedures or governmental regulations; to write reports and business correspondence; effectively present information and respond to questions from groups of managers, clients and the general public
• Ability to read, analyze and interpret business and personal financial statements and federal/state tax returns
• Knowledge of non-credit bank products and services
• Credit, risk management and negotiation skills
• Understands and is capable of correctly applying business principals and financial ratios
• Analytical and financial analysis skills
• Capable of quick, on-the-spot calculations with a financial calculator
• Knowledge of loan documentation, loan agreements, loan structuring, collateral perfection and liens, general business contracts, etc.
• Understands lending policy and procedures and underwriting and regulatory guidelines
• Ability to deal with a variety of