Portfolio Manager - Sponsor Finance

Atlantic Union Bank•Charlotte, NC

15h

About The Position

We are building a dedicated Sponsor Finance vertical within our Commercial Bank and are seeking a Portfolio Manager – Sponsor Finance to play a key role in its development. This is a unique opportunity to join at the ground level of a growing platform focused on lending to private equity-backed middle market companies. The Portfolio Manager – Sponsor Finance will support underwriting and ongoing portfolio management of sponsor-backed credits, working closely with relationship managers and senior leadership. This role offers meaningful exposure to financial sponsors, direct involvement in credit decisioning, and the ability to influence the evolution of a new team.

Requirements

Bachelor's degree in Accounting or Finance
Seven or more years of experience in a commercial lending environment
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.
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.
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.

Nice To Haves

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).
Considered a SME for aligned industry, commercial credit and lending concepts, practices and regulations.
Actively participates in complex decisions and exhibits sound business judgments regarding business and lending activities
Exhibits willingness to proactively seek learning opportunities to continually improve performance and knowledge base.
Capability to function as back-up for Team Lead, as needed.

Responsibilities

Analyze new credit opportunities involving private equity-backed companies across various industries in the middle market
Evaluate financial performance, projections, and capital structures, including detailed downside case analysis
Review and interpret sponsor models and assess key assumptions
Prepare credit approval materials including deal screens, underwriting memos, and cash flow models, including downside stress testing; present recommendations to Credit Administration
Conduct industry and company research
Actively monitor a portfolio of sponsor-backed credits, including financial performance, covenant compliance, and risk trends
Identify emerging risks and recommend appropriate actions (amendments, restructurings, etc.)
Partner with relationship managers to maintain strong borrower and sponsor relationships
Participate in or lead client due diligence meetings and ongoing sponsor dialogue
Contribute to the build-out of the Sponsor Finance vertical, including processes, best practices, and credit frameworks
Operate effectively in a dynamic “build” environment with evolving infrastructure and limited precedent
Actively manage multiple priorities while meeting tight deadlines
Collaborate closely with senior leadership, leveraging their experience while taking initiative in shaping the platform