Credit Analysis Senior Portfolio Manager - Team Lead

GENERAL DESCRIPTION OF POSITION

The Credit Analysis Sr. Portfolio Manager - Team Lead manages and monitors the operations and workflow of the credit analysts assigned to work with them on a particular set of complex credits either by industry geography relationship or combination thereof. The Team Lead manages the performance of the assigned team members. The CA Sr Portfolio Manager ensures the credit analyst team timely and effectively analyze credit data using financial market industry and asset specific information/metrics and appropriately present information in underwriting and accessing risk when granting credit to entities or individuals.

ESSENTIAL DUTIES AND RESPONSIBILITIES

1. Oversee the workflow of the credit analysts within the team to ensure accurate and timely completion of work product. This duty is performed daily about 15% of the time.

2. Ensure and oversee the consistency and quality of the credit analysts cash flow analysis credit memos annual reviews and covenant calculations or other work product performed within the area of responsibility using department and/or company established best practices guidelines policies and procedures. This duty is performed daily about 20% of the time.

3. Partner with CA Regional Leaders where appropriate and other leaders and managers on development of best practices tools processes or special projects to improve efficiency and effectiveness of credit analysis work product. This duty is performed daily about 10% of the time.

4. Back up other Credit Analysis Regional Managers or Team Leads as necessary in work flow management and review of Credit Analysis work product. This duty is performed as needed about 4% of the time.

5. Manage credit analyst team staffing including interviewing hiring and performance reviews in alignment with Director of Credit Analysis guidance. This duty is performed as needed about 10% of the time.

6. Attend loan committees for specific geographies Product Type or Industries as appropriate in performance of job responsibilities. This duty is performed as needed about 20% of the time.

7. Manage communications with credit analyst team to provide current status of operational activities and credit analysis quality and volume. This duty is performed monthly about 10% of the time.

8. Maintain working knowledge of and practical experience with operational system applications spreadsheets and analytical tools designed prepare financial spreads and to quantify borrowers personal global and real estate debt service abilities. This duty is performed as needed.

9. Present narrative analysis of findings in credit memos annual reviews and other credit related documents. This duty is performed as needed.

10. Oversee the credit analysts monitoring of annual reviews borrowing base certificates and loan covenant compliance for respective regions or teams as directed by Director of Credit Analysis or their designee. This duty is performed as needed.

11. Partner with CA Technology Training and Reporting Manager as needed to support mentoring of trainees and ongoing training for CA team members. This duty is performed as needed.

12. Responsible for providing training on policy and procedural updates and changes. This duty is performed as needed about 5% of the time.

13. Provide internal reports required for Third Party Governance vendor reviews and vendor due diligence to the Regional Manager or Director of Credit Analysis. This duty is performed as needed about 2% of the time.

14. Provide assistance to the Director of Credit Analysis in maintaining control inventory related to risk assessments. This duty is performed as needed about 2% of the time.

15. Complete required BSA/AML training and other compliance training as assigned. This duty is performed quarterly about 2% of the time.

16. The ability to work in a constant state of alertness and in a safe manner.

17. Perform any other related duties as required or assigned.

QUALIFICATIONS

To perform this job successfully an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge skill and/or ability required.

EDUCATION AND EXPERIENCE

Broad knowledge of such fields as accounting marketing business administration finance etc. Equivalent to a four year college degree plus 7 years related experience and/or training and 5 years related management experience or equivalent combination of education and experience.

COMMUNICATION SKILLS

Ability to write reports business correspondence and policy/procedure manuals; ability to effectively present information and respond to questions from groups of managers clients customers and the general public. Ability to read analyze and understand common scientific and technical journals financial reports and legal documents; ability to respond to complex or difficult inquiries or complaints from customers regulatory agencies or members of the business community.

MATHEMATICAL SKILLS

Ability to work with mathematical concepts such as probability and statistical inference and fundamentals of plane algebra solid geometry and trigonometry.

CRITICAL THINKING SKILLS

Ability to define problems collect data establish facts and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.

REQUIRED CERTIFICATES LICENSES REGISTRATIONS

Not indicated.

PREFERRED CERTIFICATES LICENSES REGISTRATIONS

Not indicated.

SOFTWARE SKILLS REQUIRED

Advanced: Accounting Spreadsheet Word Processing/Typing

Intermediate: 10-Key Human Resources Systems

Basic: Presentation/PowerPoint

RESPONSIBILITY FOR WORK OF OTHERS

Carries out supervisory responsibilities in accordance with the organizations policies and applicable laws. Responsibilities may include but not limited to interviewing hiring and training employees; planning assigning and directing work; appraising performance rewarding and disciplining employees; addressing complaints and resolving problems.

Supervises a small group (3-7) of employees usually of lower classifications. Assigns and checks work; assists and instructs as required and performs same work as those supervised or closely related work a portion of the time. Content of the work supervised is of non-technical nature but presents numerous situations to which policies and precedents must be interpreted and applied.

Supervises the following departments: Credit Analysts

WORKING CONDITIONS

Somewhat disagreeable working conditions. Continuously exposed to one or two elements such as noise intermittent standing walking pushing carrying or lifting. May involve some travel and/or work is at times in the evening or during the night hours.

ENVIRONMENTAL CONDITIONS

The following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually quiet.

PHYSICAL ACTIVITIES

The following physical activities described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions and expectations.

Semi-repetitive low physical. Semi-repetitive type work which requires periods of concentration for varied time cycles as prescribed by the tasks.

While performing the functions of this job the employee is continuously required to sit; frequently required to talk or hear; and occasionally required to walk use hands to finger handle or feel. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.

ADDITIONAL INFORMATION

- Seven (7) or more years of related experience and/or training
- Five (5) years related management experience with managing projects systems and/or people
- Analytically minded and possess good judgment
- Ability to mentor others or delegate and oversee quality and accuracy of work product given to others
- Proficient in Microsoft Word and Excel

Required Experience:

Manager