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Sr Credit Portfolio Manager

OceanFirst Bank

Philadelphia, PAJobNo compensation foundTracked todaySeen in employer's feed today
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At a glance

Compensation
No compensation found
Location
Philadelphia, PA
Work Authorization
Not specified

Requirements

Credentials this posting asks for.

Bachelor's degree

Job overview

The Sr Credit Portfolio Manager will oversee commercial lending portfolios, applying deep expertise in credit evaluation, underwriting, and risk assessment while ensuring compliance with banking regulations and policies. The role requires strong analytical abilities, leadership of junior staff, and effective communication with internal and external stakeholders.

Skills & qualifications

RequiredNice to have

Skills

Commercial LendingCredit EvaluationUnderwritingPortfolio MonitoringParticipation LoansCovenant StructuresCredit Approval PolicyQualitative Portfolio AnalyticsAutomated Analytical ToolsManual Analytical ToolsWhat‑if ScenariosProjective Financial AnalysisBanking RegulationsCredit and Financial Analysis ToolsRisk IdentificationBank Operating SystemsMicrosoft WordMicrosoft ExcelCommunication SkillsLeadershipOrganizational Skills

Qualifications

8-10 Years Commercial Credit Lending ExperienceMinimum 5 Years Credit Evaluation ExperienceDemonstrated Success in Leadership CapacityBachelor's Degree in Business Administration Finance Accounting or Economics

Full job description

What We Expect of You

  • Thorough knowledge of commercial lending process with a demonstrated expertise in credit evaluation underwriting and portfolio monitoring. Proven ability to analyze participation loans and other loans with complex covenant structures.

  • Expert 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 the most complex lending scenarios.

  • Comprehensive knowledge and understanding of applicable banking regulations and laws governing commercial lending and application of same to portfolio management administration and processes.

  • Detailed knowledge and understanding of credit and financial analysis tools and techniques.

  • 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.

  • Good working knowledge of bank operating systems and information technology as related to Commercial Lending.

  • Proven expertise in managing credit approvals and policy.

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

  • Demonstrated ability to provide guidance and leadership to less seasoned staff.

  • 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 Management Credit Committee as necessary.

  • 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.

YOUR QUALIFICATIONS

  • 8-10 years progressively responsible experience in commercial credit lending, with a minimum of 5 years progressively responsible experience in credit evaluation, portfolio risk assessment, and underwriting.

  • Demonstrated success in a leadership capacity.

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

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.

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