Credit Portfolio Manager - Middle Market Lending

• Gathers financial and general business information pertaining to customer and prospect loan requests

• Performs financial analyses needed to make credit decisions

• Contributes and provides input to group loan decision process based on evaluation of credit risk and other key factors

• Supports commercial banking team and recommends credit solutions that add value to the Customer

• Manages specific credit activities to ensure performance quality, consistency of underwriting and timeliness meets or exceeds Customer expectations

• May manage overall analytical support and workflow production needs for a department

• Works on larger, more complex deals, mainly focused on Middle Market

• May manage and/or lead as well as create, develop and introduce commercial and credit-related initiatives

• Acts as a consultant to business lines regarding credit issues, processes and procedures

• Functions as a resource for business lines and works with senior management on various issues; managing expectations and negotiating timelines

• Partners with Lending/Credit Officers to address exceptions identified by internal/external auditors and/or examiners

• Performs periodic inspections at Customer sites to audit accounts and ensure adherence to loan agreements and terms;
Takes appropriate action as necessary to correct deficiencies

• Coordinates with Account and Relationship Managers to perform routine financial analyses and credit investigations

• May communicate credit decisions to Relationship Managers and Account Managers

• Manages and oversees workflow and adherence to policy for department

• Participates in organizational cost benefit analysis and implementation

• Manages activities by creating and maintaining quantifiable service level standards against business performance

• Ensures timeliness of information and efficiency in process and workflow

• Maintains confidentiality of credit and customer information at all times

• May lead a team of Credit Analysts within a region or market

Requirements

• Bachelor's degree or equivalent experience
• 5+ years related experience
• Strong understanding of commercial business development techniques and credit decisions
• Demonstrates business development track record
• Strong market presence with wide network of outside referral sources for new business
• Demonstrates credit and financial analysis skills
• Refined negotiation skills
• Demonstrates communication skills, both verbal and written
• Demonstrates PC skills

🔍 ATS Optimization Keywords
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Hard Skills

• Credit Analysis
• Financial Analysis
• Business Development Techniques
• Loan Underwriting
• Cost Benefit Analysis

Soft Skills

• Communication Skills
• Negotiation Skills