Wholesale Credit Delivery Senior Portfolio Manager - Dealer Services segment

Regular or Temporary:
Regular
Language Fluency:
English (Required)

Work Shift:

1st shift (United States of America)

Please review the following job description:

Underwrites credit exposure for the most complex and largest relationships and actively manages a portfolio of Dealer Services relationships. Includes day-to-day client interaction, managing portfolio risk, and adhering to all regulatory and compliance guidelines. A critical component of this role is early identification of emerging credit concerns, sector trends, funding pressures, governance issues, liquidity challenges, and changes in donor, grant, reimbursement, or program revenue patterns.

ESSENTIAL DUTIES AND RESPONSIBILITIES

Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.

Underwriting

Leads the entire commercial underwriting process both internally and externally with prospects and clients. Underwrites, structures, and documents all prospect and client transactions. Independently runs the most complex deals (PEG-owned and leveraged clients) and largest credit relationships.

Portfolio Management

Accountable for and 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. Is expected to be anticipatory, forward focused, independent, transparent and collaborative in identification, communication, and all aspects of management of risk.

Client Calling Effort

Expands client relationships through consistent and direct client calling efforts. In conjunction with other internal product partners, applies knowledge of credit policy, pricing and structure to develop solutions that meet the client's needs and the Bank's risk acceptance criteria.

Subject Matter Expertise

Partner closely with Investment Banking peers to ensure effective delivery of complex financing solutions to CCB clients through industry specific lens; responsible for maintaining extensive level of knowledge of corporate banking, investment banking and commercial banking solutions, in addition to market trends and business drivers.

Deal Team Management

Expected to manage these tasks by utilizing assigned Associates and Analysts. Mentors and coaches junior PMs, Associates and Analysts including annual performance review process for Analysts and Associates.

Span of Control (include # direct reports): no direct reports, but encompasses regular communication with Clients and Prospects, Portfolio Management teammates, Relationship Managers, Credit Risk Managers, Credit Review partners, Technology, and other internal and external audit and examiner functions.
Decision-Making and Autonomy

Teammates in this role are charged with providing independent current and forward looking risk view on clients within the assigned clients/prospects and portfolio. They author independent risk recommendations including, but not limited to; risk rating, compliance, underwriting. The recommendation is finally approved by ultimate risk approval officer.

Problem Complexity

Very Complex. Portfolio Managers & Underwriter 3s will be assigned more of the complex names in the portfolio (lead clients, leveraged profiles, PEG affiliated, sensitive relationships, difficult legal structures).

Leadership / Influencing / Negotiating / Persuading

Yes, teammates in this position are required to develop an independent point of view and provide recommendations to appropriate decision makers. Expected to mentor all junior talent as well as LOB partners as appropriate.

Project or Program Management

Must be able to handle a large portfolio of complex/levered clients in addition to taking a leadership role in activities outside of day-to-day portfolio responsibilities that benefit the PM platform as a whole.

Nature and Area of Impact, including Risk

Must deliver solid credit and underwriting analyses and risk rating recommendations. Key risk drivers are credit and operational.

QUALIFICATIONS REQUIRED

• Bachelor’s Degree in Finance or related field and at least 7+years of related training and experience in commercial/Dealer Services credit analysis.
• Mastery level proficiency with MS Office Desktop applications.
• Strong…