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 Officers, 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 IV is expected to be a subject matter expert (SME) in the respective portfolio and shall adhere to all regulatory and compliance guidelines.
Position Accountabilities - 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 BSA/AML Policy and Procedures.
