Corporate Banking Portfolio Manager II
Company: Citizens
Location: Irvine
Posted on: May 14, 2022
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Job Description:
This Senior Portfolio Manager is responsible for effective
credit underwriting, credit, and risk administration with
particular emphasis on adherence to credit policy and requirements,
financial analysis/modeling, risk evaluation, ongoing portfolio
maintenance activities, and as needed client support for an
assigned portfolio of existing restaurant finance credits.
Additional responsibilities to include: Ensures overall portfolio
performance and asset quality remains strong and is able to
independently assess, and, jointly with Relationship Managers,
develop strategies and actions to resolve issues that could
increase risk and/or create loss for the Bank. Independently
interacts with senior management of customers and prospects in
order to discuss and resolve risk related issues, develop, and
deliver presentations to senior management and at credit review and
approval meetings, exhibits skill at negotiation and the
development of loan structuring options, engages with Syndications
on multi-bank transactions, and is skilled in the area of large
exposures and complex credit situations. Manage a portfolio of
complex credits and will perform the functions of the position with
only periodic oversight and is expected to perform with very
limited supervisory intervention. Assures compliance with Citizens
Bank commercial credit policy. Prepares underwriting documents for
new credit transactions and gains approval in concert with
Relationship Management. Specific tasks may include Post Closing
Audit for new loans, renewals, and modifications, running financial
models using a variety of formats/systems, preparing annual
reviews, preparation of credit approval proposals and appendices,
Sponsor/Guarantor analyses, and completion of regular compliance
checks. Negotiates loan documents, prepares, and reviews financial
models for accuracy, and is skilled at addressing Past Due
situations. Has extensive knowledge of credit policies and can
complete the most complex underwriting documents with minimal
involvement from the RM or application of the policies to a variety
of situations. Oversees assigned portfolio of credits and
anticipates portfolio problems and takes action to develop
solutions, handles multiple demands and competing priorities, and
meets deadlines and schedules associated with maintaining portfolio
compliance with credit and risk policies. Actively and effectively
manages assigned portfolio including, but not limited to tracking
of delinquency, exceptions, matured loans, collateral monitoring,
financial statement receipt and analysis, covenant compliance
monitoring, annual review process, proper completion and validation
of credit grading models, quarterly/monthly monitoring
requirements, and needed modifications. Provides feedback,
direction, and oversight by reviewing the work done by credit
analysts or junior PMs who are supporting a senior level PM with
the tasks noted above as part of Portfolio Management & Oversight.
Provides client management support for assigned portfolio. Regular
level of direct client interaction and can resolve the most complex
issues related to credit monitoring and administration with client
directly. Understands and stays abreast of industry information
related to the customer segment and/or brands represented within
the assigned portfolio. Shares insights and learnings with other
RMs and PMs. Develops and presents credits during reviews and
approval meetings, engages with Syndications on multi-bank
transactions, and prepares pitch books for new client acquisition.
Exhibits comprehensive written and verbal communication skills. May
review work of other PMs or credit analysts who may perform
financial analysis or modeling (in support of a senior level PM)
for completeness and accuracy. Regularly acts as a coach and mentor
for junior level PMs and credit analysts. Qualifications BA degree
and/or Master---s degree preferred in Business administration,
finance, accounting and/or economics preferred. 7 to 10 years of
experience and exhibited competency in financial analysis and
credit structuring, understanding, and applying credit policy, and
credit monitoring and risk administration practices. Experience in
working with restaurant and franchise customers is preferred.
Candidate is expected to have highly advanced level of credit
experience, documentation experience in proposing and negotiating,
both internally and externally, credit and covenant structures and
documenting loans. Must demonstrate superior practical and
conceptual knowledge of credit and risk analysis. Highly skilled in
financial modeling and able to quickly structure credit in modeling
environment. Able to advise RMs on how to structure the credit
relationship. Exhibits competency at independently reaching
conclusions and forms clear view of credit structure and business
risk to Bank. Has deep understanding of industry nuances applicable
to the credits contained within assigned portfolio. Displays deep
understanding of capital structures. Possesses in depth knowledge
of loan and related legal documents. Actively participates in group
meetings with customers up to the most senior level RMs, Team
Leaders and credit and product partners. Highly developed
communication skills and ability to influences others by
persuasively presenting thoughts and ideas to gain commitment and
agreement for proposed ideas and solutions. Hours and Work Schedule
Hours per Week: 40 Work Schedule: Monday - Friday
Keywords: Citizens, Irvine , Corporate Banking Portfolio Manager II, Accounting, Auditing , Irvine, California
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