Director - Healthcare Finance

Atlantic Union Bank Careers • Reston, VA

1d

About The Position

This position is responsible for providing an independent perspective in underwriting and managing complex Wholesale Banking loans and relationships up to the bank’s legal lending limit. The role involves partnering with Relationship Managers, Credit Officers, Credit Portfolio Managers, and the Credit Portfolio Management Team Leader to deliver credit solutions through underwriting, portfolio management, deal team management, and extensive internal and external client interaction. As a Credit Portfolio Manager IV, the individual is expected to be a subject matter expert (SME) in their respective portfolio and must adhere to all regulatory and compliance guidelines. The role includes leading the independent underwriting process for new and renewal opportunities, providing in-depth analysis of financial statements, management competencies, industry impact, competitive dynamics, collateral, and guarantor support. It also entails managing an assigned portfolio by proactively monitoring performance and trends, ensuring risk rating integrity, and ensuring timely compliance with all covenants.

Requirements

• Bachelor's degree in Accounting or Finance.
• 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.
• 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 participate in complex decisions and exhibit 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.
• Ability to work independently as well as within a team environment.

Nice To Haves

• Willingness to proactively seek learning opportunities to continually improve performance and knowledge base.
• 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

• Provide an independent perspective in underwriting and managing complex Wholesale Banking loans and relationships up to the bank’s legal lending limit.
• Partner 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.
• Adhere to all regulatory and compliance guidelines.
• Participate or lead client calls with Relationship Manager for in-depth financial questions, deal information, collection of financial statements, and other portfolio management requirements.
• Lead the independent underwriting process for new and renewal opportunities for clients and prospects within an assigned portfolio.
• Provide 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.
• Prepare detailed financial projections within a vendor-provided credit tool, such as Moody’s Risk Analyst, or within an Excel template.
• Make recommendations to Relationship Managers and Credit Approvers regarding credit amount, structure, and policy compliance.
• Manage assigned portfolio by proactively monitoring performance and trends, ensuring risk rating integrity, ensuring timely compliance with all covenants, identifying issues and suggesting remediation solutions, and assisting with compliance and regulatory reviews.
• Effectively prioritize new deal, renewal and portfolio management requirements.
• Coordinate any necessary items/requests, as appropriate, with clients and prospects and internal Bank partners.
• Exhibit willingness to lead additional special projects, to aid with the continuous improvement of portfolio management, as delegated by the team lead.
• Adhere to all applicable laws and regulations governing bank operations, including compliance with Atlantic Union Bankshares’ BSA/AML Policy and Procedures.

Benefits

• Eligible to participate in either an applicable incentive compensation plan for the position or a discretionary profit sharing bonus program.
• Comprehensive benefits package.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Number of Employees: 501-1,000 employees