Credit Portfolio Manager

Great America Financial Services is a highly successful entrepreneurial company providing equipment financing to businesses across the United States. Our exemplary customer service, our principle-centered business philosophy and our team-based operating approach are key to our success and growth. We Are Looking to Add a Key Member to our Credit Team!

The Credit Portfolio Manager is responsible for credit underwriting, ongoing portfolio administration, and credit quality oversight for an assigned portfolio. This role partners closely with Credit Leadership, Business Operations, and Business Development to ensure risks are identified, monitored, and managed in accordance with credit policy, regulatory requirements, and Great America risk appetite. The Credit Portfolio Manager supports new originations, renewals, annual reviews, covenant monitoring, and exception resolution while contributing to portfolio performance and sound credit outcomes.

• Monitors and services the commercial obligations through quality portfolio management work related to the annual servicing review process and exception clearing.
• Oversee document compliance, covenant compliance, and financial reporting requirements; resolve exceptions timely Contacts borrowers and Vendors to obtain updated financial information to ensure quality and recency of documentation within files.
• Meets deadlines and schedules associated with analyzing financial information to evaluate the credit worthiness of on-going exposure.
• Properly grades risk of each obligation in the portfolio, per policy.
• Recommends adjustments to risk grades as circumstances change or new information becomes available.
• Gathers and analyzes credit information on current and potential borrowers including preparation of both business and personal financial statement spreads.
• Prepares written summaries and financial trend, cash flow, and collateral analysis
• Underwrites commercial credit requests and recommends loan structures by drawing conclusions from the information provided as to the financial condition of the client and identifying key credit risks and mitigating factors.
• Assists in the preparation of problem loan reports on adversely graded borrowers and assist in loan workouts as appropriate Reviews and analyzes third party reports such as appraisals, environmental reports, and credit bureau reports.
• Researches economic environments, business and industry cycles, and assesses management and operations to understand non-financial risks associated with the borrowers and identifying mitigating factors.
• Assures that large commercial relationships are following State and Federal regulations and Bank policies and procedures.
• Builds and maintains a positive working relationships with internal business partners (Bank President, Credit Leadership, Operational Risk, and Operations, etc.).
• Undertakes special projects related to job function as determined by Credit Leadership.
• Continuously updates skills by participating in professional training and seeks opportunities to improve skills through cross-training offered by the Bank.
• Adheres specifically to all corporate policies and procedures, Federal and State regulations and laws.
• Has responsibility for following regulatory requirements including those pertaining to the Bank Secrecy Act (BSA), Anti
  - Money Laundering (AML), Customer Identification Program (CIP) and OFAC to assist in the identification, detection and determent of money laundering or other unlawful activities.
• Perform credit underwriting and risk assessment for new transactions, renewals, extensions, and amendments, including preparation of clear, concise credit memorandums supporting approval decisions.
• Provide portfolio reporting, analytics, and ad hoc analysis to Credit Leadership.
• Live and promote the Great America Principles and Standards Perform other related duties as assigned

• Bachelor’s degree in Business, Finance, Accounting, or related field.
• Five (5) or more years of commercial credit analysis experience, preferably in a community banking or private banking setting that includes analyzing,…