CRE Credit Portfolio Manager III (Virginia-Hybrid)

Atlantic Union Bank; Great Falls Crossing (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 the underwriting process for complex Wholesale Banking loans. This role requires expertise in financial analysis and credit risk management, working closely with Relationship Managers and stakeholders to deliver tailored credit solutions. The ideal candidate will have extensive experience in commercial lending and a strong ability to make sound decisions. Join a dynamic team that values independence and collaboration, where your contributions will directly impact the bank's success and client relationships.

Benefits

Incentive or profit-sharing plans

Comprehensive benefits

Flexible working environment

Qualifications

• 7+ years of experience in commercial lending.
• Expertise in financial analysis and credit risk management.

Responsibilities

• Lead underwriting for complex credits and larger portfolios.
• Provide independent analysis of financial statements and trends.
• Manage portfolio performance and ensure compliance.

Skills

Commercial Lending

Financial Analysis

Credit Risk Management

Communication Skills

Decision Making

Organizational Skills

Team Collaboration

Education

Bachelor's degree in Accounting or Finance

Tools

Excel

Word

Moody's Risk Analyst

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. The position will be assigned to some of the more 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 new/renewal opportunities and other credit risk management deliverables.
3. Prepare detailed short or long-term financial projections within a vendor-provided solution such as Moody's Risk Analyst or within an Excel spreadsheet.
4. Make recommendations to Relationship Managers and Credit Approvers regarding credit amount, structure, and policy compliance.
5. 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.
6. Participate or lead client calls with Relationship Manager for in-depth financial questions, deal information, collection of financial statements, and other portfolio management requirements.
7. Participate in special projects to aid with the continuous improvement of portfolio management.
8. Adhere to all applicable laws and regulations governing bank operations, including compliance with Atlantic Union Bankshares' BSA/AML Policy and Procedures.
9. 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.
10. 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

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

Knowledge & Skills

• 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. Skills supporting commercial real estate lenders include construction loan underwriting and administration.
• Considered a SME for industry, credit, and lending concepts, practices, and regulations.
• Advanced skills in analyzing financial statements, management, industry impact, and trends.
• Ability to make complex decisions and sound judgments regarding business and lending activities.
• Proficiency in financial statement spreading and preparing pro-forma statements.
• Excellent communication skills, including selling, structuring, negotiating, and problem resolution.
• Proficiency in Word and Excel, including formulas, macros, charts, and tables.
• Research skills for credit evaluations.
• Strong organizational skills and ability to manage multiple projects and deadlines.
• Ability to work independently and in a team environment.

Salary ranges from $118,503 to $197,739 per year, depending on various factors. The position offers participation in incentive or profit-sharing plans and comprehensive benefits. For more information, visit our benefits page.

We are an Equal Employment Opportunity employer and maintain a drug-free workplace.