Lead Mid-Corporate Portfolio Manager – Commercial Auto

Responsibilities

• Serve as primary credit lead for a portfolio of complex Mid-Corporate Commercial Auto clients, including public and large private companies
• Analyze, underwrite, structure and monitor existing and new direct credit exposures including revolving credit facilities, term loans, and acquisition financing utilizing market research, internal loan information, and client data
• Act as a key client-facing member of the deal team, partnering with relationship managers and product partners
• Review, research, and recommend solutions for complex and unique challenges requiring in-depth evaluation of multiple factors
• Monitor and underwrite operating exposure including treasury management and derivatives
• Evaluate borrower performance, liquidity, leverage, and key risks through financial analysis and projections
• Lead structuring, negotiation, and documentation of credit facilities including covenants and collateral
• Work with outside counsel, internal compliance, and loan closing teams to close modifications, extensions and new loans including review of third-party reports and loan documentation
• Prepare and present credit memoranda and recommendations to senior credit approval authorities
• Identify and mitigate structural and transactional risks
• Ensure ongoing compliance with loan agreements, credit policy, and regulatory requirements
• Partner with Relationship Managers and product teams to support client strategy
• Lead or participate in syndicated transactions with agent banks and participants
• Collaborate with credit, legal, and servicing teams to execute transactions, manage credit portfolio risk and respond to credit-related requests
• Mentor junior portfolio managers and trainees
• Identify opportunities for process improvements
• Lead special projects as assigned

• 5+ years of Mid-Corporate Portfolio Management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
• Strong knowledge and understanding of corporate banking credits, credit underwriting and cash flow analysis
• Ability to thoroughly analyze credits on an independent basis and communicate findings concisely
• Experience with syndicated lending as a participant or lead arranger
• Experience underwriting, documenting and monitoring owner-occupied real estate loans including experience and familiarity with real estate due diligence and regulatory requirements
• Experience working with complex capital structures
• Knowledge of commercial banking products including treasury and derivatives
• Strong understanding of credit policy and risk management framework
• Excellent communication and presentation skills
• Demonstrated problem-solving skills and ability to execute in fast-paced environment
• Strong attention to detail and demonstrated ability to adapt to evolving procedures and systems