CRE Credit Portfolio Manager III Greater DC Area--Hybrid

Responsible for providing an independent perspective in underwriting and managing complex Wholesale Banking loans and relationships up to the banks legal lending limit. Partners with Relationship Managers Credit Portfolio Managers and the Credit Portfolio Management Team Leader in delivering credit solutions through: underwriting portfolio management deal team management and extensive internal and external client interaction. Credit Portfolio Manager III is expected to be a subject matter expert (SME) in the respective portfolio and adheres to all regulatory and compliance guidelines.

• Lead the independent underwriting process for new and renewal opportunities for clients and prospects within an assigned portfolio. The position will be assigned to some of the more complex credits and larger portfolios within the Wholesale Bank.
• Provide indepth independent analysis of financial statements management competencies industry impact competitive dynamics collateral and guarantor support for new/renewal opportunities and other credit risk management deliverables.
• Prepare detailed short or longterm financial projections within a vendor provided solution such as Moodys Risk Analyst or within an Excel spreadsheet.
• Make recommendations to Relationship Managers and Credit Approvers regarding credit amount structure and policy compliance.
• Manage assigned portfolio by proactively monitoring performance and trends ensuring risk rating integrity ensuring timely compliance with all covenants identifying issues and following through for remediation and assisting with compliance and regulatory reviews.
• Participate or lead client calls with Relationship Manager for indepth financial questions deal information collection of financial statements and other portfolio management requirements
• Participate in special projects to aid with the continuous improvement of portfolio management.
• Adhere to all applicable laws and regulations governing bank operations including compliance with Atlantic Union Bankshares BSA/AML Policy and Procedures.
• Prioritize new deal renewal and portfolio management requirements and coordinate as appropriate with clients and prospects Relationship Managers Credit Risk Treasury Management and other internal and external stakeholders.
• This senior position may mentor CPMs I and II as appropriate.

Organizational Relationship

This position reports to the Team Leader Credit Portfolio Management.

Position Qualifications

Education & Experience

• Bachelors degree in Accounting or Finance and seven or more years of experience in a commercial lending environment

Knowledge & Skills

• 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. If supporting commercial real estate lenders requisite skills would also include construction loan underwriting and administration (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 (as applicable).
• Knowledge of financial statement spreading including proficiency in preparing proforma statements within Moodys 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 selfmanage 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

Salary offered will be based on several factors including but not limited to education work experience certifications etc. The full salary range for this role is $118503$197739 per year. This position is also eligible to participate in either an applicable incentive compensation plan for the position or a discretionary profit sharing bonus program. General information on our comprehensive benefits package can be found by visiting are proud to be an Equal Employment Opportunity employer. We maintain a drugfree workplace.