Credit Portfolio Manager III – Asset Based Lending

🕒 April 25

🌲 North Carolina – Remote

🌲 North Carolina – Remote

💵 $108.2k - $180.5k / year

⏰ Full Time

🟠 Senior

🔴 Lead

👔 Manager

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Atlantic Union Bank

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 1902

🏦 Banking

💸 Finance

💳 Fintech

Banking • Finance • Fintech

Atlantic Union Bank is a financial institution based in Virginia, offering a comprehensive suite of banking services including checking accounts, savings accounts, personal and business loans, credit cards, and wealth management solutions. With roots tracing back to 1902, the bank is committed to providing fair financial solutions and honest advice, aiming to create opportunities for families and business owners within the community. Through both online and physical branches, Atlantic Union Bank strives to enhance the banking experience for its customers and supports local initiatives.

📋 Description

• Responsible for providing an independent perspective in underwriting and managing complex Wholesale Banking loans and relationships up to the bank’s legal lending limit • Partners with Relationship Managers, Credit Portfolio Managers, and the Credit Portfolio Management Team Leader in delivering credit solutions through: underwriting, portfolio management, deal team management, and extensive internal and external client interaction • Lead the independent underwriting process for new and renewal opportunities for clients and prospects within an assigned portfolio • Provide in-depth, independent analysis of financial statements, management competencies, industry impact, competitive dynamics, collateral, and guarantor support • Prepare detailed short or long-term financial projections within a vendor provided solution such as Moody’s Risk Analyst or within an Excel spreadsheet • Make recommendations to Relationship Managers and Credit Approvers regarding credit amount, structure, and policy compliance • Manage assigned portfolio by proactively monitoring performance and trends, ensuring risk rating integrity • Participate or lead client calls with Relationship Manager for in-depth financial questions • Adhere to all applicable laws and regulations governing bank operations, including compliance with Atlantic Union Bankshares’ BSA/AML Policy and Procedures

🎯 Requirements

• Bachelor's degree in Accounting or Finance • Seven or more years of experience in a commercial lending environment • Experience across multiple lines of business, including but not limited to Commercial & Industrial, real estate development and builder lines, service, retail, commercial real estate, religious organizations and government • Advanced written and analytical skills to encompass an ability to analyze balance sheet structure, and income and cash flow trends • Knowledge of financial statement spreading, including proficiency in preparing pro-forma statements within Moody's or other software package • PC proficiency with Word and Excel, including the use of system and user generated formulas, macros, charts, and tables

🏖️ Benefits

• General information on our comprehensive benefits package can be found by visiting https://www.atlanticunionbank.com/about/careers/benefits.