Portfolio Manager I

Wintrust•Lake Forest, IL

1d•Onsite

About The Position

The Portfolio Manager, Business Banking analyzes small to mid-size business and real estate opportunities submitted by origination teams and works closely with lending officers in all aspects of the loan request. The Portfolio Manager contributes to the recommendations as it relates to the structure of a loan request, as well as identification of broader banking and relationship opportunities throughout the underwriting and portfolio management process. This individual performs various due diligence and loan documentation review functions as part of the origination and closing process.

Requirements

Bachelor’s degree in accounting, finance, business or equivalent experience
Minimum 2 years’ commercial and industrial underwriting and/or portfolio management experience; formal credit training is a plus
Sound understanding of commercial credit analysis techniques including cash flow, balance sheet analysis, evaluation of collateral and personal financial condition
Strong organizational and time management skills along with the ability to proactively manage and prioritize workflow
Ability to make sound decisions in a fast-paced, time-sensitive environment
Demonstrated analytical and critical thinking skills
Excellent oral and written communication skills
Proficient in Microsoft Word and Excel; experience with nCino loan origination platform a plus

Responsibilities

Prepare and conduct Credit Approval Presentations (CAPs) including summarizing and reporting trends
Analyze commercial credit requests of varying complexity including credit and financial information of businesses and individuals to determine the degree of risk associated with the extension of credit
Review financial statements and tax returns submitted by applicants and evaluate a borrower’s ability to repay.
Recognize trends, positive or negative, impacting risk to repayment, the Bank’s collateral position or ability of the business to satisfactorily operate.
Recommend risk rating adjustments, higher or lower, supported by changes in the borrower’s financial condition, collateral or other factors impacting the credit’s risk.
Seek alternative means of financing or counter offers for all borrowers, if appropriate, when it is determined that the original request cannot be accommodated.
Communicate directly with Relationship and Portfolio Managers as well as customers, as needed, to allow for timely and efficient underwriting of credit requests
Partner with in-house appraisal and environmental staff in ordering and reviewing third party reports such as appraisal, environmental and property condition assessments
Foster an open dialogue and strong working relationship with Credit Administration, Loan Operations, Managed Assets Department and other groups that support the line of business
Loan monitoring and covenant testing; assist in the closing of loans and reviewing and maintaining credit files and compliance reviews
Exhibit a sense of urgency towards meeting client requests while also meeting acceptable risk parameters in order to identify problems/issues to produce timely loan modifications and risk rating changes, as appropriate