Hancockwhitney

Commercial Portfolio Manager

City Plaza - Baton Rouge, LA

Sponsorship not specified$20k-$25kDetected 21 days ago

SalesNegotiationFinancial AnalysisAccountingHRCustomer SupportLeadershipPublic SpeakingMicrosoft OfficeUnderwriting

About the role

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Responsibilities

Effectively partners with RMs, market leadership, senior management, and credit officers to originate, monitor, maintain and grow profitable Wholesale Banking relationships.
Perform due diligence, credit analysis, underwriting, recommend borrower, and facility risk assessment ratings and preparation of credit approval packages for new and existing loans, extensions, modifications, and amendments.
Perform on-going portfolio management, monitoring, and risk management activities to confirm that relationships adhere with established credit policy, procedures, and business strategy, as well as commercial and regulatory guidelines.
Effectively communicates with various internal business partners, i.e., loan operations, credit services, credit review, audit, treasury services, etc., engaging them as appropriate throughout the underwriting and portfolio management process.
Performs reviews and forms opinions on third-party prepared due-diligence documents (appraisals, environmental reports, inspections, construction budgets, projections, etc.)
As appropriate, partners with the RM as a point of contact for the client or liaison to the Credit Delivery Team and other business partners.
Periodically review the borrower's electronic file depository to assess for the completeness of files and that documents are accurately filed.
Performs pre-closing documentation review of new/renewal lending documents, both internally and externally prepared, inspecting for completeness and accuracy in accordance with the loan approval.
Continue to develop advanced underwriting skills and analytical techniques through interactions with their manager, credit officers and other senior associates.
Support and assist other Portfolio Managers as team workload dictates.

Requirements

Ability to work under stress and meet deadlines
Ability to travel
Ability to lift/move/carry approximately 25 pounds if required to perform the essential job functions.
If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department/division an "undue hardship" then the employee must be accommodated
You will be required to create an account (or sign in with an existing account).
Partners with the RM in preparing the due diligence and analysis required for the preparation of an opportunity memo for new-to-bank client relationships.
Monitors client operating performance against original underwriting and projections upon receipt of required reporting information.
As required, actively participates on the loan agreement exception tracking calls.
As required, respond timely to credit review to answer questions and provide any missing documentation.

Nice to have

Bachelor's degree is required.
A Bachelor's degree in Business Administration, Finance, Accounting, or related field is preferred
7+years of credit analysis, underwriting, portfolio management, relationship management, or a combination of related commercial banking experience
Credit analysis training or certificate program, advanced skills in underwriting larger complex commercial credits, and familiarity with syndication and participation credits is required.
Excellent verbal, written, and interpersonal skills.
Ability to read, analyze and interpret business periodicals, professional journals, technical procedures or governmental regulations
to write reports, business correspondence and procedure manuals
effectively present information and respond to questions from groups of managers, clients and the general public

Compensation

Prepare annual or administrative reviews to assess client and guarantor financial performance, covenant compliance, and to update borrower and facility risk ratings.

Visa & Work Authorization

will receive consideration for employment without regard to race, color, religious beliefs, national origin, ancestry, citizenship, sex, gender, sexual orientation, gender identity, marital status, age, physical or menta

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