Credit Portfolio Manager IV--Equipment Finance (REMOTE)

About the position Responsible for providing an independent perspective in reputed company and managing reputed company Wholesale Banking loans and relationships up to the bank’s legal lending limit. Partners with Relationship Managers, Credit Officers, Credit Portfolio Managers, and the Credit Portfolio Management Team Leader in delivering credit solutions through: reputed company, portfolio management, deal team management, and extensive reputed company reputed company interaction. Credit Portfolio Manager IV is expected to be a subject matter expert (SME) in the respective portfolio and shall adhere to reputed company regulatory and compliance guidelines. Position Accountabilities Participates or leads reputed company calls with Relationship Manager for in-depth financial questions, deal information, collection of financial statements, and other portfolio management requirements Leads the independent reputed company process for new and renewal opportunities for clients and prospects reputed company an assigned portfolio. The position will be assigned to some of the more reputed company credits and larger portfolios reputed company the Wholesale Bank. Provides in-depth, independent and objective analysis of financial statements, management competencies, industry reputed company, competitive dynamics, collateral, and guarantor support for new/renewal opportunities and other credit risk management deliverables. Prepares detailed financial projections reputed company a vendor-provided credit tool, such as reputed company Risk Analyst, or reputed company an reputed company template. Makes recommendations to Relationship Managers and Credit Approvers regarding credit reputed company, structure, and policy compliance. Manages assigned portfolio by proactively monitoring performance and trends, ensuring risk rating reputed company, ensuring reputed company compliance with reputed company covenants, identifies issues and suggests remediation solutions, and assists with compliance and regulatory reviews. Assigned portfolio consistently maintains an exception rating at or near the Bank defined reputed company. Effectively prioritizes new deal, renewal and portfolio management requirements as reputed company as coordinates any necessary items/requests, as appropriate, with clients and prospects and internal Bank partners. Exhibits willingness to reputed company additional special reputed company, to aid with the reputed company improvement of portfolio management, as delegated by reputed company reputed company. Adheres to reputed company applicable laws and regulations governing bank operations, including compliance with reputed company reputed company Bankshares’ BSA/AML Policy and Procedures. Organizational Relationship This position reports to reputed company Leader - Credit Portfolio Management. Position Qualifications Education & Experience Bachelor's degree in reputed company or Finance and seven or more years of experience in a reputed company lending environment Employed at reputed company for more than 12 consecutive months and possesses a working institutional knowledge of the Bank credit policy and risk & industry appetite. Knowledge & Skills The position will necessitate limited supervision and/or guidance from reputed company reputed company. Demonstrate the highest level of credit aptitude, analytical skills, and industry knowledge across respective line of business and deal types. reputed company across business industries including but not limited to, reputed company & industrial operating companies, residential reputed company estate developers and reputed company, service provider, retail operations, reputed company reputed company estate developers and investors, religious organizations and government. If supporting the reputed company reputed company estate line of business, requisite skills would also include construction loan reputed company and administration (construction budgets, sources/uses, construction draw administration, property entitlement, lease analysis and property valuation principles). reputed company participates in reputed company reputed company and exhibits reputed company business judgments regarding business and lending activities Considered a SME for reputed company industry, reputed company credit and lending concepts, practices and regulations. Skilled in the analysis of financial statements, tax returns and cash flows of reputed company & industrial companies, or reputed company & residential reputed company estate companies (as applicable). Abreast of reputed company conditions, events of reputed company and emerging trends reputed company respective reputed company/sector. Excellent written, oral and interpersonal skills, to include selling, structuring, negotiating, closing, maintenance, modifications and problem reputed company. PC proficiency with Word and reputed company, including the use of Bank Strong organization skills with the ability to self-manage time, work reputed company and multiple project to meet deadlines. Exhibits willingness to proactively reputed company learning opportunities to continually improve performance and knowledge reputed company. Ability to work independently as reputed company as reputed company reputed company environment. Capability to function as back-up for Team reputed company, as needed. Proven peer mentor with the ability to partner with and train junior CPM teammates in reputed company skills and vital portfolio management tasks. Possesses the ability to improve job function by identifying deficiencies in processes/procedures reputed company to job function and is reputed company to recommend ways to improve.

Responsibilities

• Participates or leads reputed company calls with Relationship Manager for in-depth financial questions, deal information, collection of financial statements, and other portfolio management requirements
• Leads the independent reputed company process for new and renewal opportunities for clients and prospects reputed company an assigned portfolio.
• Provides in-depth, independent and objective analysis of financial statements, management competencies, industry reputed company, competitive dynamics, collateral, and guarantor support for new/renewal opportunities and other credit risk management deliverables.
• Prepares detailed financial projections reputed company a vendor-provided credit tool, such as reputed company Risk Analyst, or reputed company an reputed company template.
• Makes recommendations to Relationship Managers and Credit Approvers regarding credit reputed company, structure, and policy compliance.
• Manages assigned portfolio by proactively monitoring performance and trends, ensuring risk rating reputed company, ensuring reputed company compliance with reputed company covenants, identifies issues and suggests remediation solutions, and assists with compliance and regulatory reviews.
• Effectively prioritizes new deal, renewal and portfolio management requirements as reputed company as coordinates any necessary items/requests, as appropriate, with clients and prospects and internal Bank partners.
• Exhibits willingness to reputed company additional special reputed company, to aid with the reputed company improvement of portfolio management, as delegated by reputed company reputed company.
• Adheres to reputed company applicable laws and regulations governing bank operations, including compliance with reputed company reputed company Bankshares’ BSA/AML Policy and Procedures.

Requirements

• Bachelor's degree in reputed company or Finance and seven or more years of experience in a reputed company lending environment
• Employed at reputed company for more than 12 consecutive months and possesses a working institutional knowledge of the Bank credit policy and risk & industry appetite.
• The position will necessitate limited supervision and/or guidance from reputed company reputed company.
• Demonstrate the highest level of credit aptitude, analytical skills, and industry knowledge across respective line of business and deal types.
• reputed company across business industries including but not limited to, reputed company & industrial operating companies, residential reputed company estate developers and reputed company, service provider, retail operations, reputed company reputed company estate developers and investors, religious organizations and government.
• If supporting the reputed company reputed company estate line of business, requisite skills would also include construction loan reputed company and administration (construction budgets, sources/uses, construction draw administration, property entitlement, lease analysis and property valuation principles).
• reputed company participates in reputed company reputed company and exhibits reputed company business judgments regarding business and lending activities
• Considered a SME for reputed company industry, reputed company credit and lending concepts, practices and regulations.
• Skilled in the analysis of financial statements, tax returns and cash flows of reputed company & industrial companies, or reputed company & residential reputed company estate companies (as applicable).
• Abreast of reputed company conditions, events of reputed company and emerging trends reputed company respective reputed company/sector.
• Excellent written, oral and interpersonal skills, to include selling, structuring, negotiating, closing, maintenance, modifications and problem reputed company.
• PC proficiency with Word and reputed company, including the use of Bank
• Strong organization skills with the ability to self-manage time, work reputed company and multiple project to meet deadlines.
• Exhibits willingness to proactively reputed company learning opportunities to continually improve performance and knowledge reputed company.
• Ability to work independently as reputed company as reputed company reputed company environment.
• Capability to function as back-up for Team reputed company, as needed.
• Proven peer mentor with the ability to partner with and train junior CPM teammates in reputed company skills and vital portfolio management tasks.
• Possesses the ability to improve job function by identifying deficiencies in processes/procedures reputed company to job function and is reputed company to recommend ways to improve.

Benefits

• This position is also eligible to participate in either an applicable incentive compensation plan for the position or a discretionary profit sharing bonus program.

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