Position Overview
Credit Portfolio Manager III is responsible for providing an independent perspective in underwriting and managing complex Equipment Finance loans/leases and relationships up to the bank’s legal lending limit.
Position Accountabilities
- Lead the independent underwriting process for new and renewal opportunities within an assigned portfolio.
- Provide in-depth, independent analysis of financial statements, management competencies, industry impact, competitive dynamics, collateral, and guarantor support.
- Prepare detailed financial projections using tools such as Moody’s Risk Analyst or Excel.
- Make recommendations to Regional Directors and Credit Approvers regarding credit amount, structure, and policy compliance.
- Manage assigned portfolio by proactively monitoring performance, ensuring risk rating integrity, and addressing compliance issues.
- Participate or lead client calls with Regional Directors for financial questions 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 with internal and external stakeholders.
- Mentor CPMs I and II, as appropriate.
Organizational Relationship
This position reports to the Equipment Finance Credit Officer.
Position Qualifications
Education & Experience: Bachelor’s degree in Accounting or Finance and seven or more years of experience in a commercial lending environment.
Knowledge & Skills:
- Experience underwriting across multiple industries and asset types.
- Knowledge of Equipment Leasing concepts is a plus.
- Considered a SME for aligned industry, commercial credit, and lending concepts, practices, and regulations.
- Advanced written and analytical skills to analyze balance sheet structure, income, and cash flow trends.
- Ability to make complex decisions and sound business judgments.
- Skilled in the analysis of financial statements, tax returns, and cash flows of commercial & industrial companies.
- Knowledge of financial statement spreading, including proficiency in preparing pro-forma statements within Moody’s or other software packages.
- Excellent written, oral, and interpersonal skills for 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 and equipment types 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.
(Remote in VA, SC, GA, NC, MD ONLY)
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 here.
We are proud to be an EEO/AA employer, Minority/Female/Disability/Veteran. We maintain a drug-free workplace.
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