AVP/Underwriter Portfolio Manager IV

Responsibilities

Underwriting – Underwrites Sponsor accounts according to applicable regulations, procedures, and guidelines. Reviews financial statements, communicates with clients or prospects, and performs analysis to recommend borrower risk ratings and appropriate loan structuring. Ensures all involved parties are updated on underwriting progress and outcome. May provide guidance to less experienced underwriters through knowledge of underwriting procedures and information needs.
Portfolio Management – Manages assigned portfolio by monitoring performance and trends, proactively defining client credit solutions, identifying issues and following through for remediation. Responsible for risk rating integrity, annual reviews as well as financial statement spreading, compliance and regulatory review. Manages all amendment and waivers in the assigned portfolio.
Client Service – Maintains ongoing communication and contact with assigned loan clients. Fortifies relationships and monitors client satisfaction. Analysis – Sources, compiles, and interprets financial data to support structuring and approval of loans. Reviews industry information and comparisons, key risks and mitigants, and collateral to form a general business overview of the borrower. Utilizes results of analysis to underwrite loans.
Risk Management – Identifies risks through reviews, analysis, and research of new and existing loans. Works closely with Bank associates and partners to resolve risk issues, communicating review schedule and potential changes in the portfolio. Assists in coordinating review and renewal schedules for existing credits, facilitating

Qualifications

Bachelor’s Degree and 4 years of experience in Commercial Lending or Credit Analysis, financial statement spreading, preparation of projections, and trailing twelve month analysis. OR High School Diploma or GED and 8 years of experience in Commercial Lending or Credit Analysis, financial statement spreading, preparation of projections, and trailing twelve month analysis.

Preferred Skills;

Bachelor’s degree in business, Economics, Finance
Finance banking experience
Strong working knowledge of Microsoft Excel and how to build/analyze complex financial models with assumption drivers appropriate for a particular business model and industry.
Thorough understanding of credit, structuring, legal and collateral requirements.
Strong analytical, credit and problem-solving skills.
Completion of a formal credit training program
At least 4 years’ experience in commercial/Leveraged lending with financial institutions
Strong writing, communication and presentation skills