Senior Portfolio Manager - Wholesale Credit Delivery - Not--Profit segment

Need Help?

If you have a disability and need assistance with the application, you can request a reasonable accommodation. Send an email to Accessibility (accommodation requests only; other inquiries won't receive a response).

Regular or Temporary: Regular

Language Fluency: English (Required)

Work Shift: 1st shift (United States of America)

Underwrites credit exposure for the most complex and largest Not-For-Profit relationships and actively manages a portfolio of nonprofit, foundation, education, religious, cultural, civic, and other mission-driven organizations. 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 full underwriting process both internally and externally with prospects and clients. Underwrites, structures, and documents new and existing transactions for complex nonprofit relationships, including organizations with multiple revenue streams, donor-restricted funds, endowments, capital campaigns, grant funding, government or reimbursement-based revenue, affiliated entities, pledges, and seasonal or event-driven cash flow. Independently manages the most complex credits and largest relationships by evaluating mission, governance, board oversight, operating model, program performance, fundraising capacity, liquidity, debt service capacity, restricted and unrestricted net assets, cash flow reliability, covenant compliance, collateral support, and long-term financial sustainability.
  
  Recommend and models appropriate loan structures while maintaining expertise around the Bank’s suite of ancillary products, including treasury, deposit, liquidity, investment, and other solutions relevant to clients. Is accountable for the risk evaluation and associated regulatory compliance requirements.

• Portfolio Management: Accountable for and manages an assigned Not-For-Profit portfolio by monitoring financial performance trends, proactively defines client credit solutions, identifies emerging issues, and follows through for remediation. Responsible for risk rating integrity, annual reviews, financial statement spreading, compliance, and regulatory review. Manages amendments and waivers in the assigned portfolio. Is expected to be anticipatory, forward focused, independent, transparent, and collaborative in identification, communication, and all aspects of risk management.

• Client Calling Effort: Expands client relationships through consistent and direct calling efforts with nonprofit executives, finance leaders, board representatives, development officers, and other key stakeholders. In conjunction with internal product partners, applies knowledge of credit policy, pricing, structure, nonprofit operations, liquidity needs, fundraising cycles, and mission-driven objectives to develop solutions that meet the client’s needs and the Bank’s risk acceptance criteria.

• Subject Matter Expertise: Partners closely with Relationship Managers and internal product specialists to ensure effective delivery of financing and banking solutions to nonprofit clients through a sector-specific lens. Maintains extensive knowledge of nonprofit accounting, fund accounting concepts, donor-restricted and unrestricted resources, philanthropic trends, grant and government funding dynamics, endowment and investment considerations, capital campaign financing, governance expectations, and market trends affecting mission-driven organizations.
  
  Understands and articulates sector trends, patterns in the economy, and implications for nonprofit credit risk, and proactively shares information across the Portfolio Management organization.

• Deal Team…