Responsible for providing an independent perspective in underwriting and managing Wholesale Banking loans and relationships within an assigned portfolio. 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 internal and external client interaction. Credit Portfolio Manager II is expected to be a subject matter expert (SME) in the respective portfolio and adheres to all regulatory and compliance guidelines.

Position Accountabilities

• Prepare the independent underwriting 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 for new/renewal opportunities and other credit risk management deliverables.
• Make recommendations to Relationship Managers and Credit Approvers regarding credit amount, structure, and policy compliance.
• May support the preparation of detailed short or long term financial projections within a vendor provided solutions such as Moody’s Risk Analyst or within an Excel spreadsheet.
• Manage assigned portfolio by proactively monitoring performance and trends, ensuring risk rating integrity, ensuring timely compliance with all covenants, identifying issues and following through for remediation, and assisting with compliance and regulatory reviews.
• Participate with Relationship Manager on client calls for in-depth financial questions, deal information, collection of financial statements, and other portfolio management requirements.
• Participate in special projects to aid with continuous improvement of portfolio management.
• Adhere to all applicable laws and regulations governing bank operations, including compliance with Atlantic Union Bankshares’ BSA/AML Policy and Procedures.
• Prioritize new deal, renewal, and portfolio management requirements and coordinate as appropriate with clients and prospects, Relationship Managers, Credit Risk, Treasury Management, and other internal and external stakeholders.

Organizational Relationship

This position reports to the Team Leader - Credit Portfolio Management.

Position Qualifications

Education & Experience

• Bachelor's degree in Accounting or Finance and three to five years of experience in a commercial lending environment

Knowledge & Skills

• 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. If supporting commercial real estate lenders, requisite skills would also include construction loan underwriting and administration (construction budgets, sources/uses, construction draw administration, property entitlement, lease analysis and property valuation principles).
• Considered a SME for aligned industry, commercial credit and lending concepts, practices and regulations.
• Written and analytical skills to encompass an ability to analyze balance sheet structure, and income and cash flow trends.
• Demonstrates ability to make complex decisions and sound business judgments regarding business and lending activities
• Skilled in the analysis of financial statements, tax returns and cash flows of commercial & industrial companies, or commercial & residential real estate companies (as applicable).
• Knowledge of financial statement spreading, including proficiency in preparing pro-forma statements within Moody's or other software package.
• Excellent written, oral and interpersonal skills, to include selling, structuring, negotiating, closing, maintenance, modifications and problem resolution
• PC proficiency with Word and Excel, including the use of system and user generated formulas, macros, charts, and tables.
• Ability to research industry sources needed for credit evaluations.
• Strong organization skills with the ability to self-manage time and work flow to meet deadlines.
• Ability to manage multiple projects at one time.
• Ability to work independently as well as within a team environment

Salary offered will be based on several factors including but not limited to education, work experience, certifications, etc. This position is also eligible to participate in either an applicable incentive compensation plan for the position or a discretionary profit sharing bonus program. General information on our comprehensive benefits package can be found by visiting https://www.atlanticunionbank.com/about/careers/benefits.

We are proud to be an EEO/AA employer, Minority/Female/Disability/Veteran. We maintain a drug-free workplace.