Portfolio Manager II - Business Banking

Responsibilities

• Prepare and conduct Credit Approval Presentations (CAPs) including summarizing and reporting trends.
• Analyze commercial credit requests of varying complexity including credit and financial information of businesses and individuals to determine the degree of risk associated with the extension of credit.
• Review financial statements and tax returns submitted by applicants and evaluate a borrower’s ability to repay. Recognize trends, positive or negative, impacting risk to repayment, the Bank’s collateral position or ability of the business to satisfactorily operate. Recommend risk rating adjustments, higher or lower, supported by changes in the borrower’s financial condition, collateral or other factors impacting the credit’s risk.
• Perform collateral analyses consistent with cash‑flow and CRE lending.
• Communicate directly with Relationship Managers as well as customers, as needed, to allow for timely and efficient underwriting of credit requests.
• Foster an open dialogue and strong working relationship with the Real Estate Group, Credit Administration, Loan Operations, Managed Assets Department and other groups that support the line of business.
• Loan monitoring and covenant testing; assist in the closing of loans and reviewing and maintaining credit files and compliance reviews.
• Exhibit a sense of urgency towards meeting client requests while also meeting acceptable risk parameters in order to identify problems/issues to produce timely loan modifications and risk rating changes, as appropriate.

• Bachelor’s degree in accounting, finance, business or equivalent education.
• 3+ years’ commercial and industrial underwriting and/or portfolio management experience, with a working knowledge of banking environment, products and all supporting processes and technology.
• Formal Bank credit training is preferred, with a strong understanding of general credit and risk principles, and banking policies/procedures.
• Proficiency in MS Office:
  Excel, Word, PowerPoint, and financial forecast models; experience with nCino loan origination platform a plus.
• Strong analytical and organizational skills with the ability to proactively manage and prioritize workflow.
• Strong interpersonal skills with a proven ability establishing client relationships and working within a team environment.

• Medical Insurance
• Dental
• Vision
• Life insurance
• Accidental death and dismemberment
• Short‑term and long‑term Disability Insurance
• Parental Leave
• Employee Assistance Program (EAP)
• Traditional and Roth 401(k) with company match
• Flexible Spending Account (FSA)
• Employee Stock Purchase Plan at 5% discount
• Critical Illness Insurance
• Accident Insurance
• Transportation and Commuting Benefits
• Banking Benefits
• Pet Insurance Compensation

$77,000 - $110,000 along with eligibility to earn an annual bonus.

Wintrust Financial Corporation, including community banking and financial services subsidiaries, is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, national origin, disability, veteran status, genetic information, and other legally protected categories.