Head of Portfolio & Credit Administration
About The Position
The Head of Portfolio & Credit Administration supports collaboration among Relationship Managers, Portfolio Managers, Commercial Administration, and Documentation staff. The role fosters teamwork, process improvement, and consistent processes; ensures loan compliance; manages portfolio reporting requirements; and oversees workflow across Middle Market, Commercial Real Estate, and Business Banking functions within the region. It also includes credit underwriting, cross-bank relationship building, and developing and coaching administration staff to foster a positive, professional, and efficient work environment.
Requirements
- 10+ years of commercial credit and portfolio administration management, underwriting, and analysis experience.
- Ability to drive process improvement by developing procedures, job aids, and development documents.
- Collaborative approach and strong leadership abilities to influence others and build relationships.
- Depth and breadth of technical knowledge of commercial banking products and documentation.
- Concrete understanding of credit compliance, policies, and standards.
- Practical skill and working knowledge of applicable bank systems, including FIS, electronic file systems, loan operating systems, and imaging systems.
- Experience working with Microsoft Office software.
- Ability to lead, mentor, and motivate.
- Professional demeanor and ability to foster a positive working environment.
- Consistently demonstrate behaviors associated with the Bank’s Core values.
- Excellent verbal and written communication skills.
- High attention to detail, strong organizational skills, and a process-driven approach.
- Ability to multitask in a fast-paced environment.
Nice To Haves
- Bachelor’s degree in Finance or Accounting preferred.
Responsibilities
- Manage a team of Commercial Credit Analysis and Commercial Administrative Portfolio Managers.
- Coach, mentor, and develop Commercial Credit Analysts and Commercial Administrative Portfolio Managers.
- Develop Commercial Credit Analysts to improve the consistency, standards, and quality of underwriting for new credit requests, amendments, modifications, renewals, and waivers.
- Proactively manage resources supporting portfolio workflow, including new loan requests and ongoing credit administration requirements, in collaboration with Relationship Managers and team leaders.
- Underwrite new credit requests and modifications as needed.
- Manage the team and oversee tracking and reporting for financial statement collection, covenant tests, and annual reviews, and ensure electronic files are current.
- Manage internal and external audits and oversee tracking audit findings; work with Relationship Managers, Portfolio Managers, and team leaders to address findings.
- Establish checks and balances for underwriting and portfolio management with Relationship Managers, Portfolio Managers, and team leaders in the region.
- Ensure commercial loan structures and underwriting comply with established policies and credit standards before appropriate approval.
- Ensure compliance with applicable banking laws, rules, regulations, policies, practices, and procedures to reduce risk and uphold ethical standards.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
