Credit Products Commercial Portfolio Manager
About The Position
The Credit Products Commercial Portfolio Manager is a client-facing role responsible for independently leading all aspects of the commercial credit process, both internally and externally with prospects and clients. The Portfolio Manager partners closely with Regions relationship managers to execute the Bank’s commercial loan origination strategy, working directly with prospects, clients, and centers of influence to develop financing structures that address borrowing needs. The role manages an assigned portfolio and is accountable for risk evaluation and applicable compliance requirements. This position is incentive eligible and exempt from timekeeping requirements under the Fair Labor Standards Act, so it is not eligible for overtime pay. It may be filled at a higher level depending on the candidate’s qualifications and relevant experience.
Requirements
- Bachelor’s degree in Finance, Accounting, or a related field.
- Five years of experience in commercial underwriting.
- Subject Matter Expert-level understanding of accounting and finance, financial statement analysis, and cash flow analysis.
- Ability to work collaboratively with multiple stakeholders.
- Strong analytical and problem-solving skills.
- Strong verbal and written communication skills.
- Well organized, detail-oriented, and able to multitask.
Nice To Haves
- Completion of a major corporate credit training program, or equivalent corporate banking or corporate finance experience.
Responsibilities
- Execute the Bank’s commercial loan origination strategy by working with prospects, clients, and centers of influence to develop financing structures addressing borrowing needs.
- Underwrite, structure, and document prospect and client transactions above a designated threshold, generally involving the most complex and largest client relationships and circumstances.
- Manage the assigned portfolio by monitoring performance and trends, proactively defining client credit solutions, identifying issues, and developing remediation and underwriting in a timely manner.
- Ensure credit process metrics are within prescribed tolerances.
- Maintain accountability for risk evaluation and associated compliance requirements, including AML, CRA/HMDA, Reg B, and other applicable regulatory and compliance requirements within the assigned portfolio and for prospects.
- Review interim new-money requests for managed relationships up to a defined limit.
Benefits
- Paid vacation and sick time
- 401(k) with company match
- Medical, dental, and vision benefits
- Disability benefits
- Health Savings Account
- Flexible Spending Account
- Life insurance
- Parental leave
- Employee Assistance Program
- Associate Volunteer Program
- Discretionary incentive plan; awards may be based on performance against defined metrics and goals
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What This Job Offers
Job Type
Full-time
Career Level
Senior
