Credit Portfolio Manager

Responsibilities

• 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

• 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

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

• Communication Skills
• Negotiation Skills