Senior Portfolio Manager, Commercial

Wintrust Financial Corporation • Northfield, IL

80d • $98,000 - $150,000

About The Position

The Senior Portfolio Manager, Commercial supports the Middle Market Commercial Banking team, analyzing commercial business financial statements ranging from $20MM to $500M in revenue and calculating critical credit metrics such as cash flow, leverage, working capital, and collateral coverage. In this role, you will be the point of contact for client relations and maintain a high level of client responsiveness.

Requirements

• Bachelor’s degree in business administration, finance, accounting, or related discipline
• Minimum 7 years’ commercial credit experience including experience in one of the following sectors: corporate banking, middle market or CRE; leveraged lending experience preferred
• Thorough understanding of risk management and credit mitigants
• Knowledge risk ratings analysis, corporate finance and/or research
• Strong analytical and financial modeling abilities
• Exceptional verbal and written communication skills
• Strong interpersonal skills with a proven ability establishing client relationships
• Proficiency using Microsoft Office products including advanced Excel modeling skills
• Familiarity with Moody's analytics

Responsibilities

• Manage an assigned portfolio of commercial customers in partnership with the relationship manager
• Provide support and oversight of reporting for portfolio management (delinquency, problem loans, exceptions, tickler tracking, etc.) as designated by the CCO
• Coordinate collection and review of financial statements, tax returns, covenant compliance certificates, and/or borrowing bases to comply with customers’ reporting 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 and/or transfer to Special Assets Group
• Prepare credit packages for annual reviews, renewals, loan requests, portfolio reviews and criticized asset reviews
• Structure and underwrite complex commercial loan transactions in an assigned portfolio and new business transactions
• 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

Benefits

• Medical Insurance
• Dental
• Vision
• Life insurance
• Accidental death and dismemberment
• Short-term and long-term Disability Insurance
• Parental Leave
• Employee Assistance Program (EAP)
• Traditional and Roth 401(k) with company match
• Flexible Spending Account (FSA)
• Employee Stock Purchase Plan at 5% discount
• Critical Illness Insurance
• Accident Insurance
• Transportation and Commuting Benefits
• Banking Benefits
• Pet Insurance

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: Bachelor's degree
• Number of Employees: 5,001-10,000 employees