Corporate Banking Portfolio Manager II
Company: Citizens Financial Group
Location: Irvine
Posted on: January 16, 2021
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Job Description:
Job Description - Corporate Banking Portfolio Manager II
(208796)Job Description Corporate Banking Portfolio Manager II -
(208796)Description Citizens Bank is seeking an experienced
Portfolio Manager to join our Irvine, CA office. The Portfolio
Manager is responsible for effective credit and risk administration
with particular emphasis on adherence to credit policy and
requirements, financial analysis/modeling, risk evaluation,
on-going portfolio maintenance activities, and as needed client
support for an assigned portfolio of Mid Corporate clients (annual
sales revenue between $500MM and $5B). Responsibilities: Ensure the
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 the
most complex credits and will perform the functions of the position
with only periodic oversight and is expected to perform with very
limited supervisory intervention. Specific tasks may include:
Assures compliance with CFG commercial credit policy. Effectively
maintains high quality credit file documentation. Applies credit
skills, product knowledge, and sound judgment to assess credit
risk. Exhibits knowledge of various types of loan terms and
conditions and understanding of loan documentation. Consistently
adheres to all regulatory compliance requirements. Post Closing
Audit for new loans, renewals, and modifications, running financial
models using a variety of formats/systems, preparing annual
reviews, renewal requests, reviewing Borrowing Base Certificates
and surfacing liquidity concerns, preparation of CPS and
appendices, Sponsor/Guarantor analyses, completion of regular
compliance checks. Prepares underwriting documents for new credit
transactions and gains approval, in concert with Relationship
Management. Negotiates loan documents, prepares and reviews
financial models for accuracy, is skilled at addressing Past Due
situations and has extensive knowledge of credit policies and in
particular. 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 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 industries
represented within the assigned portfolio. Shares insights and
learnings with other RMs and PMs. Actively engages with
Relationship Managers on progress, issues, and challenges regarding
a particular customer relationship or portfolio concern.
Pro-actively offers ideas and solutions to address issues in
partnership with RMs. 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 expert knowledge or clients/credits included in the
portfolio when interacting with peers, relationship manager, team
leader, and senior managers across departments/work teams. Exhibits
comprehensive written and verbal communication skills. Regularly
interacts with and develops relationships with existing and
potential customers. Fully understands suite of cross sell services
and can convey benefits of such to existing client base. May review
work of other portfolio managers or credit analysts who may perform
financial analysis or modeling (in support of an expert level PM)
for completeness and accuracy. Regularly acts as a coach and mentor
for junior level PMs and credit analysts. Pro-actively builds
relationships both within department and across business unit.
Shows ability to influence RMs around credit decisions. Is able to
view credit/client situations from multiple angles and can debate
the merits of a given transaction and defend position both
internally and externally. Qualifications 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. Bachelors Degree
required.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.Bachelor---s Degree in Business, Finance,
Accounting, Economics, or equivalent work experience. Self starter,
enjoying working in an entrepreneurial environment, proven ability
in adaptability and problem solving. 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, with clear knowledge of the
difference between senior and other layers of debt.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.Strong PC Proficiency
and Microsoft Office applications, advanced knowledge of different
financial modeling systems and strong presentation development and
delivery skills. Hours and Work Schedule Hours per Week: 40 Work
Schedule: Monday - Friday Primary Location: US-CA-IrvineWork
Locations: CA-Irvine-1 Park Plaza 1 Park Plaza Suite 600 Irvine
92614Job: LendingOrganization: USA01_Citizens Financial
GroupSchedule: RegularEmployee Status: Full-timeTravel: NoJob
Posting: Dec 15, 2020, 10:41:26 AM
Keywords: Citizens Financial Group, Irvine , Corporate Banking Portfolio Manager II, Executive , Irvine, California
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