Credit Portfolio Manager II

WHAT WE EXPECT OF YOU

• Thorough knowledge of commercial lending process including credit evaluation and underwriting expertise with proven success making independent credit assessments. Ability to analyze participation loans and other loans with complex covenant structures.

• Thorough knowledge and understanding of credit approval policy and process with the proven ability to accurately interpret lending policy and apply same to the management of the portfolio.

• Knowledge and understanding of qualitative portfolio analytics and metrics with the ability to utilize automated and manual analytical tools and techniques, including "what-if" scenarios and in-depth projective financial analysis to complex lending scenarios.

• Ability to identify and quantify business risks and the key drivers of risk and focus decisions accordingly.

• General understanding of bank's overall portfolio mix, concentration and exposure limits, risk philosophy. Ability to understand client industry and it's fit into portfolio parameters.

• Thorough knowledge of banking regulations and laws governing commercial lending.

• Strong written and oral communication skills with the ability to effectively communicate financial analysis detail in a clear, concise manner. Confident in the ability to present to senior management and/or Credit Committee as necessary.

• Ability to establish and maintain professional internal partner and external client relationships.

• Ability to provide guidance to less seasoned staff.

• Strong organizational skills with ability to set priorities in a multi-task environment and meet deadlines.

• Demonstrated proficiency with Microsoft Office, with specific capability in Word and Excel.

• Ability to maintain the confidentiality of credit and customer information.

YOUR QUALIFICATIONS

• Bachelor's degree in Business Administration, Finance, Accounting or Economics, or equivalent work experience.

• 7 years of experience in commercial lending environment with 5 years progressively responsible experience in credit evaluation, portfolio risk assessment and underwriting.

INTERNAL AND EXTERNAL CONTACTS

• Internal contacts consist of customers in portfolio and Bank personnel.

• External contacts consist of outside COI's including accountants and attorneys.

WORKING CONDITIONS/PHYSICAL REQUIREMENTS

Office environment. Ability to operate a computer. Ability to communicate in order to exchange simple to complex information with individuals and groups. Ability to travel throughout Bank footprint.

Salary Range: $76,345.00 - $126,210.00