Job Description Summary

Manage a team of credit risk specialists and credit risk analysts to ensure that credit risk policies, procedures, and standards are observed and implement strategies to improve the performance of a risk portfolio.

Summary of the Position:

The Commercial & Industrial (C&I) Team Lead and Senior Portfolio Manager is responsible for assisting the Senior Credit Officer (SCO) and Chief Credit Officer (CCO) in managing Portfolio Managers (PM) within his/her designated regions.

This includes coordinating the timely completion of quality Credit Approval Requests (CARS), modifications, periodic reviews (QPRs), portfolio monitoring activities, necessary training, and loan review and audit preparation activities, and special projects as assigned by the SCO, CCO, or SVP Credit Administration.

Primary Functions of the Position:

• Coordinates the timely underwriting of new deals, modifications, periodic reviews, and other reporting requirements
• Manages workflows and account loads per PM to ensure proper portfolio management, and maintain a comprehensive loan detail log
• Coaches, develops, and structures teams to effectively deliver on expectations
• Trains and mentors new employees, and coordinates training as needed for both new and existing employees
• Maintains a portfolio, as required, with the following responsibilities:
  • Performs detailed financial analysis primarily for Commercial & Industrial lending opportunities
  • Prepares underwriting requests for credit extensions to new and existing clients, including but not limited to:
    • CAR Approval Requests
    • Covenant Waivers / Amendments
    • Quarterly Portfolio Reviews
    • Special Asset Reports
  • Supports the Relationship Manager by ensuring the initial set-up of credit facilities on our internal systems is consistent with the reporting requirements contained in the loan documents
  • Ongoing Portfolio Management including, but not limited to:
    • Financial Reporting
    • Covenant Compliance
    • Borrowing Base Availability
  • Ensures compliance with the Bank’s credit policies and procedures, identifying exceptions for approval when they occur
  • Capable of standing-in for the relationship manager when the RM is unavailable at various internal meetings such as Credit Committee, Special Assets Group and Periodic Reviews
  • Accompanies the relationship manager on prospect/client calls when appropriate

Education and Experience Requirements:

• Bachelor’s Degree in Finance, Accounting, or related field; MBA preferred
• Minimum 7 years of banking experience in credit analysis and underwriting
• Prior management experience preferred

Essential Skills and Abilities:

• Excellent organizational and project management skills
• Excellent presentation skills
• Strong analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry, competition and projections.
• Proficient in loan structuring
• Proficient in various spreadsheet applications, including use of graphs, charts, and Moody’s financial analysis software

Bachelor’s: Accounting, Bachelor’s: Business Administration, Bachelor’s: Data ProcessingManager Experience - 3 to 6 yearsCertified Anti-Money Laundering Specialist (ACAMS) - Association of Certified Anti-Money Laundering Specialists (ACAMS)

Travel

Workstyle

Resident

At Raymond James our associates use five guiding behaviors (Develop, Collaborate, Decide, Deliver, Improve) to deliver on the firm's core values of client-first, integrity, independence and a conservative, long-term view.
We expect our associates at all levels to:
• Grow professionally and inspire others to do the same
• Work with and through others to achieve desired outcomes
• Make prompt, pragmatic choices and act with the client in mind
• Take ownership and hold themselves and others accountable for delivering results that matter
• Contribute to the continuous evolution of the firm

At Raymond James – as part of our people-first culture, we honor, value, and respect the uniqueness, experiences, and backgrounds of all of our Associates. When associates bring their best authentic selves, our organization, clients, and communities thrive. The Company is an equal opportunity employer and makes all employment decisions on the basis of merit and business needs.