CRE Credit Portfolio Manager III (Virginia-Hybrid)

Atlantic Union Bank; Fredericksburg (VA); On-site; USD 118,000 - 198,000; Full time

Job summary

An established industry player is seeking a Credit Portfolio Manager III to lead underwriting and manage complex Wholesale Banking loans. This dynamic role involves collaborating with Relationship Managers and the Credit Portfolio Management Team to deliver tailored credit solutions. The successful candidate will be a subject matter expert, ensuring compliance with regulatory guidelines while actively managing a diverse portfolio. If you have a strong background in commercial lending and a passion for financial analysis, this is an excellent opportunity to make a significant impact in a collaborative environment.

Qualifications

• 7+ years of experience in commercial lending required.
• Expertise in credit and lending practices is essential.

Responsibilities

• Lead independent underwriting for clients and prospects in the Wholesale Bank.
• Provide in-depth analysis of financial statements and credit risk management.

Skills

Commercial Lending

Financial Statement Analysis

Analytical Skills

Communication Skills

Construction Loan Underwriting

Proficiency in Excel

Organizational Skills

Education

Bachelor's degree in Accounting or Finance

Tools

Moody's Risk Analyst

Excel

Word

Job description

Description

Responsible 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.

Responsibilities

1. Lead the independent underwriting process for new and renewal opportunities for clients and prospects within an assigned portfolio, including complex credits and larger portfolios within the Wholesale Bank.
2. Provide in-depth, independent analysis of financial statements, management competencies, industry impact, competitive dynamics, collateral, and guarantor support for credit risk management.
3. Prepare detailed financial projections using vendor solutions like Moody's Risk Analyst or Excel.
4. Make recommendations to Relationship Managers and Credit Approvers regarding credit amount, structure, and policy compliance.
5. Manage assigned portfolio proactively, monitor performance and trends, ensure risk rating integrity, and ensure compliance with covenants and regulatory reviews.
6. Participate or lead client calls for financial discussions, deal information, and portfolio management.
7. Contribute to special projects aimed at improving portfolio management.
8. Ensure adherence to all applicable laws and regulations, including BSA/AML policies.
9. Prioritize and coordinate deal, renewal, and portfolio management activities with stakeholders.
10. Mentor junior Credit Portfolio Managers as appropriate.

Organizational Relationship

This position reports to the Team Leader - Credit Portfolio Management.

Position Qualifications

Education & Experience

• Bachelor's degree in Accounting or Finance with at least seven years of experience in commercial lending.

Knowledge & Skills

• Experience across multiple lines of business, including Commercial & Industrial, real estate development, and others. Skills in construction loan underwriting if supporting real estate lenders.
• Subject matter expert in industry, credit, and lending practices.
• Advanced analytical skills for financial statement analysis, including balance sheet, income, and cash flow trends.
• Ability to make complex decisions and sound judgments.
• Proficiency in analyzing financial statements, tax returns, and cash flows.
• Knowledge of financial statement spreading and pro-forma preparation.
• Excellent communication skills for structuring, negotiating, and problem resolution.
• Proficiency in Word, Excel, and financial software.
• Research skills for industry and credit evaluation.
• Strong organizational skills and ability to manage multiple projects independently and within a team.

Salary range is $118,503-$197,739 per year, with eligibility for incentive or profit-sharing bonuses. Benefits information available at the provided link. We are an Equal Opportunity Employer and maintain a drug-free workplace.