Portfolio Manager II - Construction, Engineering & Architecture

Wintrust•Willowbrook, IL

4d•Onsite

About The Position

This Portfolio Manager, II supports the rapidly growing Construction, Engineering, & Architecture Commercial Banking team. The Portfolio Manager analyzes commercial business financial statements and calculates critical credit metrics such as cash flow, leverage, working capital, and collateral coverage. In this role, you will be responsible for underwriting and obtaining commercial loan approvals for this specialized team. The Portfolio Manager will be a point of contact for client relations and will be responsible for client interaction.

Requirements

Bachelor's degree from an accredited institution with a business, finance, economics or accounting major
Minimum 4 years’ financial services industry experience, with a working knowledge of banking environment, products and all supporting processes and technology; prior commercial credit experience highly preferred
Formal Bank credit training is preferred, with a strong understanding of general credit and risk principles, mitigates, and banking policies/procedures
Thorough understanding of risks (market, rate, leverage, etc.) as it applies to the commercial lending process
Understanding of commercial lending policies and procedures along with the knowledge of loan agreement, loan structuring, and collateral procedures
Proficiency in MS Office: Excel, Word, PowerPoint, and financial forecast models
Excellent oral and written communications skills
Strong analytical and organizational skills with the ability to proactively manage and prioritize workflow
Strong interpersonal skills with a proven ability establishing client relationships and working within a team environment

Nice To Haves

Formal Bank credit training is preferred

Responsibilities

Manage an assigned portfolio of commercial customers in partnership with the relationship manager
Structure and underwrite complex commercial loan transactions in your assigned portfolio and for new business transactions
Prepare credit packages for annual reviews, renewals, new loan requests, portfolio reviews and criticized asset reviews
Provide support and oversight of reporting for portfolio management (delinquency, problem loans, exceptions, tickler tracking, etc.)
Coordinate collection and review of financial statements, covenant compliance certificates, borrowing bases, and other required reporting documents to comply with loan agreement requirements
Monitor assigned portfolio for early warning signs of financial weakness or other risks and work with borrowers to develop and execute an appropriate plan to mitigate risk
Provide credit recommendations to the appropriate level of credit administration
Review and negotiate loan documentation in consultation with legal counsel and ensure renewals and modifications are properly closed
Serve as contact for, provide support of and responses to internal audits, loan review, compliance reviews and regulatory exams for the bank
Comply with all bank policies and procedures as well as applicable state and federal regulations