Credit Portfolio Manager III
$108,199–$180,545 year
HybridRaleigh, North Carolina, United States
Job Summary
Lead the independent underwriting process for complex Wholesale Banking loans, providing in-depth analysis of financial statements, industry impact, and collateral to support new and renewal opportunities. Prepare detailed financial projections using Moody's Risk Analyst or Excel, then make recommendations to Relationship Managers regarding credit amount, structure, and policy compliance. Manage assigned portfolios by monitoring performance trends, ensuring risk rating integrity, and following through on remediation for covenant violations. Participate in client calls to address financial questions and assist with compliance reviews. Prioritize deal and portfolio requirements while mentoring CPMs I and II as appropriate.
Required Qualifications
- Bachelor's degree in Accounting or Finance
- Seven or more years of experience in a commercial lending environment
- Experience across multiple lines of business, including but not limited to Commercial & Industrial, real estate development and builder lines, service, retail, commercial real estate, religious organizations and government
- Construction loan underwriting and administration skills (construction budgets, sources/uses, construction draw administration, property entitlement, lease analysis and property valuation principles)
- Considered a SME for aligned industry, commercial credit and lending concepts, practices and regulations
- Advanced written and analytical skills to encompass an ability to analyze balance sheet structure, and income and cash flow trends
- Consistently demonstrates ability to make complex decisions and sound business judgments regarding business and lending activities
- Skilled in the analysis of financial statements, tax returns and cash flows of commercial & industrial companies, or commercial & residential real estate companies
- Knowledge of financial statement spreading, including proficiency in preparing pro-forma statements within Moody's or other software package
- Excellent written, oral and interpersonal skills, to include selling, 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 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
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