Special Credits Portfolio Manager

Role Overview

• Independently underwrites and analyzes complex criticized loan relationships, including restructures, forbearances, extensions, renewals, and modifications.
• Serves as a senior technical resource; provides informal guidance, quality review, and coaching on underwriting practices and policy requirements.
• Works as a core member of the Workout Delivery Team with Asset Managers, Credit Officers, Legal, Collateral Specialists, and Relationship Managers.
• Leads the collection and assessment of financial statements, collateral information, legal documentation, and third-party reports to support transaction structuring.
• Independently prepares and presents detailed loan requests and risk assessments to Credit Officers with limited guidance.
• Conducts advanced borrower, industry, and market analyses to identify emerging risks and recommend risk mitigation strategies.
• Monitors covenant compliance, collateral performance, and borrower reporting; proposes corrective actions as exceptions arise.
• Supports Asset Managers in negotiating borrower communications, including action plans, conditions, and documentation requirements.
• Identifies deteriorating situations early and contributes to the formulation of problem-loan strategies.
• Reviews and validates legal documentation associated with criticized actions to ensure alignment with approval terms and bank standards.
• Tracks and resolves document exceptions; ensures accurate and timely system updates.
• May lead special projects, process improvements, or portfolio analytics initiatives.
• Secures and safeguards all customer information according to Bank guidelines.
• Participates in civic, community, and industry activities as needed.
• Performs other duties and special projects as assigned.

Requirements

• Bachelor’s degree in Business Administration, Finance, Accounting, or related field.
• 5+ years of credit analysis, underwriting, or workout experience with progressively increasing responsibility.
• Demonstrated experience underwriting moderately complex to complex criticized or distressed commercial relationships.
• Strong understanding of commercial lending, legal documentation, financial analysis, and regulatory expectations.
• Advanced ability to interpret financial statements, cash-flow performance, and collateral structures.
• Strong ability to present complex analyses and recommendations.
• Strong problem-solving and risk assessment skills.

Benefits

• Equal Opportunity/Affirmative Action Employers