Lead Commercial Banking Portfolio Manager

About This Role

This role involves managing a portfolio of complex commercial banking credit commitments, primarily for Investor Real Estate (IRE) clients, ensuring ongoing compliance and resolving problem accounts. The Lead Commercial Banking Portfolio Manager will also partner with relationship managers and deal teams to deliver solutions and present recommendations to senior approvers.

Responsibilities

• Partner with relationship managers and other deal team members as a key client-facing member of the relationship team
• Review, research, and recommend solutions for highly complex and unique challenges requiring in-depth evaluation of multiple factors
• Deliver solutions which require vision, creativity, innovation, advanced analytical and inductive thinking, coordination of highly complex activities, and guidance to others
• Engage with Commercial Banking Portfolio Management professionals and managers across the company and serve as an expert advisor to leadership
• Manage the credit needs of a portfolio of complex Middle Market (primarily Investor Real Estate ("IRE")) clients and prospects
• Monitor assigned portfolio of credit commitments to ensure on-going compliance with loan agreements, covenants and payoff requirements and resolve problem accounts in partnership with deal teams
• Determine the credit worthiness of prospective clients by analyzing financial statements, projections, appraisals, meeting and interviewing the prospective client's management team, analyzing and obtaining a detailed understanding of the prospective client's cash flows and balance sheet, leverage and key risks
• Prepare, review and edit credit memos and present recommendations to senior approvers
• Negotiate appropriate terms and conditions for the largest and most complex transactions, and work with deal teams to ensure appropriate documentation is in place
• Identify critical transactional and structural risks and propose appropriate structuring alternatives to mitigate those risks

Requirements

• 5+ years of Commercial Banking Portfolio Management experience

Qualifications

• 5+ years of Commercial Banking Portfolio Management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Nice to Have

• 4+ years of experience underwriting Investor Real Estate clients
• Strong Investor Real Estate lending credit analysis skills with high attention to detail and accuracy
• Experience with commercial, owner-occupied real estate lending including documentation, due diligence and regulatory compliance processes
• Experience negotiating, managing and amending complex credit facility legal documentation
• Strong risk management and compliance skills
• Excellent verbal, written, and interpersonal communication skills

Benefits