Credit Portfolio Manager IV--Equipment Finance (REMOTE)

Atlantic Union Bank•Cumming, GA

3d•Remote

About The Position

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 Atlantic Union Bankshares' BSA/AML Policy and Procedures. Organizational Relationship This position reports to the Team Leader - Credit Portfolio Management.

Requirements

Bachelor's degree in Accounting or Finance and seven or more years of experience in a commercial lending environment
Employed at Atlantic Union Bank for more than 12 consecutive months and possesses a working institutional knowledge of the Bank credit policy and risk & industry appetite.
The position will necessitate limited supervision and/or guidance from the Team Lead.
Demonstrate the highest level of credit aptitude, analytical skills, and industry knowledge across respective line of business and deal types.
Experienced across business industries including but not limited to, commercial & industrial operating companies, residential real estate developers and builders, service provider, retail operations, commercial real estate developers and investors, religious organizations and government.
If supporting the commercial real estate line of business, requisite skills would also include construction loan underwriting and administration (construction budgets, sources/uses, construction draw administration, property entitlement, lease analysis and property valuation principles).
Actively participates in complex decisions and exhibits sound business judgments regarding business and lending activities
Considered a SME for aligned industry, commercial credit and lending concepts, practices and regulations.
Skilled in the analysis of financial statements, tax returns and cash flows of commercial & industrial companies, or commercial & residential real estate companies (as applicable).
Abreast of current conditions, events of significance and emerging trends within respective LOB/sector.
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 Bank
Strong organization skills with the ability to self-manage time, work flow and multiple project to meet deadlines.
Exhibits willingness to proactively seek learning opportunities to continually improve performance and knowledge base.
Ability to work independently as well as within a team environment.
Capability to function as back-up for Team Lead, as needed.
Proven peer mentor with the ability to partner with and train junior CPM teammates in underwriting skills and vital portfolio management tasks.
Possesses the ability to improve job function by identifying deficiencies in processes/procedures related to job function and is able to recommend ways to improve.

Responsibilities

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.
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.
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 Atlantic Union Bankshares' BSA/AML Policy and Procedures.

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