Sr Business Banking Ops Underwriting Portfolio Manager

The Senior UW - Wholesale portion of this position is responsible for reviewing and underwriting loan requests under Commercial Credit Policy up to TCL $15MM. Underwriting and recommendations should be based on sound credit judgment with particular emphasis on adherence to credit policy and requirements, financial analysis/modeling, risk evaluation and mitigation and proper loan structuring. 

• Position is responsible for underwriting and recommending for approval to Credit Officers within SLAs and meeting production requirements. Expected high degree of technical competency in credit analysis.
• The Senior UW - Wholesale will independently interact with Senior Management, Sales Team, and Credit Officer, to discuss and resolve risk related issues. 
• Senior UW - Wholesale independently reviews financials, proposed loan structure, collateral and due diligence and makes recommendations of new money requests for approval. 
• Aggressively seeks alternative means of financing or counter offers for all borrowers when it is determined that the original request cannot be accommodated.

• The Senior UW - Wholesale will perform the functions of the position with periodic oversight and is expected to perform with reasonable to general supervisory intervention.

   

The Senior Portfolio Manager - Wholesale piece is responsible for effective credit administration with particular emphasis on adherence to credit policy and requirements, financial analysis/modeling, risk evaluation, and on-going portfolio maintenance activities.

• Responsible for ensuring overall portfolio performance and asset quality remains strong and independently develops strategies and actions to resolve issues that could increase risk and/or create loss for the Bank. 
• Manage relationships with TCL between $1MM - $15MM+, with particular emphasis on larger (>$3MM) more complicated relationships. Expected high degree of technical competency in credit analysis.
• Independently interact with Senior Management, Sales Team, Credit Officer and CRM, in order to discuss and resolve risk related issues. 
• Direct interaction with customers may be required, in order to discuss and resolve risk related issues. 

• Independently reviews financials and makes recommendations for approval of annual review/renewal and/or modifications within delegated lending authority. 

   

Primary Responsibilities

Senior UW - Wholesale

• Evaluates appropriateness of loan structure with Relationship Managers as needed to meet client needs for new loans while ensuring the Bank’s credit risk profiles are maintained. 
• Assures compliance with Commercial Credit Policy and Risk Acceptance Criteria. 
• Applies credit skills, product knowledge, industry analysis, and sound judgment to assess and manage credit risk effectively. 
• Exhibits knowledge of various types of loan terms, structures, and conditions and understanding of loan documentation. 
• Credit experience and skill set with complex credits, including various organizational structures, covenant structures and/or collateral structures. 
• Consistently adheres to all Service Level Agreements.

Senior PM - Wholesale

• Assume the responsibility to protect and preserve the integrity of the pooled or individual portfolio while assessing and managing risk, through the annual review process via recommendation.
• Applies credit skills, product knowledge, industry analysis, and sound judgment to assess and manage credit risk effectively. 
• Exhibits knowledge of various types of loan terms, structures, and conditions and understanding of loan documentation. 
• Consistently adheres to all regulatory compliance requirements. 
• Accurately test covenants and recognize events of default while providing recommendations on strategy and action planning.
• Effectively supports high quality credit file documentation in a paperless environment.
• Effectively tracks and monitors financial statement requirements; reviews Borrowing Base certificates. 
• Consistently adheres to all Service Level Agreements

Qualifications

• 7+ years of experience and exhibited high degree of technical competency in various aspects of commercial lending /portfolio management.
• Exhibit comprehensive written and verbal communication skills. 
• Experience with financial analysis and credit structuring, understanding and applying credit policy, and credit monitoring and risk administration practices. 
• Expected to have high level of credit and documentation experience. 
• Must be skilled in proposing and negotiating