Portfolio Manager II, Business Banking

Portfolio Manager, Business Banking

The Portfolio Manager, Business Banking analyzes small to mid-size business and real estate opportunities submitted by origination teams and works closely with lending officers in all aspects of the loan request. The Portfolio Manager contributes to the recommendations as it relates to the structure of a loan request, as well as identification of broader banking and relationship opportunities throughout the underwriting and portfolio management process.

This individual performs various due diligence and loan documentation review functions as part of the origination and closing process.

• 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.
• Seek alternative means of financing or counter offers for all borrowers, if appropriate, when it is determined that the original request cannot be accommodated.
• Communicate directly with Relationship and Portfolio Managers as well as customers, as needed, to allow for timely and efficient underwriting of credit requests
• Partner with in-house appraisal and environmental staff in ordering and reviewing third party reports such as appraisal, environmental and property condition assessments
• Foster an open dialogue and strong working relationship with 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 experience
• Minimum 3 years’ commercial and industrial underwriting and/or portfolio management experience; formal credit training is a plus
• Sound understanding of commercial credit analysis techniques including cash flow, balance sheet analysis, evaluation of collateral and personal financial condition
• Strong organizational and time management skills along with the ability to proactively manage and prioritize workflow
• Ability to make sound decisions in a fast-paced, time-sensitive environment
• Demonstrated analytical and critical thinking skills
• Excellent oral and written communication skills
• Proficient in Microsoft Word and Excel; experience with nCino loan origination platform a plus

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

The estimated salary range for this role is $85,000 to $110,000 annually, along with eligibility to earn an annual bonus. Actual salaries may vary based on several factors, such as a candidate’s qualifications, skills, and experience.

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.