Position Summary
The Senior Commercial Portfolio Manager will manage a portfolio of commercial credits and partner closely with Commercial Bankers to deliver outstanding solutions to our clients. This individual is not required to source new business opportunities , but rather will focus on converting commercial loan opportunities generated by Bankers and will support the teams in client meetings.
Responsibilities
The Senior Commercial Portfolio Manager will manage a portfolio of commercial credits and partner closely with Commercial Bankers to deliver outstanding solutions to our clients. This individual is not required to source new business opportunities , but rather will focus on converting commercial loan opportunities generated by Bankers and will support the teams in client meetings.
Responsibilities
- Partner with Commercial Bankers on new deals in the pipeline as well as existing loans that mature, structuring commercial credits based upon bank guidelines and client needs.
- Manage loans through to the approval processes, continuously interacting with prospective and existing clients while owning the underwriting process on each specific loan.
- Work with the Credit Analysts to review spreads and complete credit presentations.
- Partner with the Commercial Loan Administration team to generate loan documents and closing packages.
- Maintain a strong understanding of cash flow analysis, collateral evaluation, and financial analysis.
- Identify risks in proposed new transactions, introducing controls to mitigate risks.
- Ensure the quality, integrity, and soundness of all analysis, underwriting, client satisfaction and credit approval process for assigned portfolio.
- Conduct monthly, quarterly, and/or annual reviews of loan covenants and financial data for all loans within assigned portfolio.
- Continuously monitor portfolio and visits clients to understand client's business performance, identifying early warning signs of changes in risk and credit quality.
- Prepare detailed annual reviews of existing credits as designated.
- Provide an ongoing review of credit quality, changes in risk, compliance with loan covenants and compliance with the bank's credit policy.
- Proactively manage credit risk and exposure for assigned portfolio, monitor collateral, initiate changes in risk ratings and manage any modifications of loan terms or covenants.
- Ensure a clean and strong portfolio, working directly with clients to obtain most recent financial documentation.
- 7-10+ years of credit portfolio management experience, including (a) being able to take the lead on proposing appropriate terms and financial covenants based on identified key risks, and (b) underwriting a broad range of C&I transactions in various industries.
- Bachelor's degree in Finance or Accounting strongly preferred; MBA, CPA or CFA strongly preferred.
- Strong working knowledge of financial statements and accounting standards required.
- Robust experience with credit policies, with completion of a formal commercial credit training program.
- Experience spreading financials and completing financial projections using Moody's RiskAnalyst software.
- Experience with projecting financial performance and using discounted cash flow analysis to determine enterprise value is preferred.
- Must be comfortable working with complex computer operating systems (nCino experience a plus).
- Strong organizational time management skills, problem-solving skills, and the ability to quickly grasp concepts and processes with limited guidance from management.
- Must be able to work in a team environment with the ability to interact well, and in a positive manner, with co-workers, external clients, and management.
Sr. Commercial Portfolio Manager in denver at Unknown Company
This position is listed as full time and onsite.