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Primis · 1 day ago

Sr. Healthcare Credit Portfolio Manager

United States

Full-time

Remote

Senior Level

7+ years exp

Primis is a financial institution focusing on healthcare lending, and they are seeking a Healthcare Credit Portfolio Manager to oversee asset management and reporting for their loan portfolio. The role involves monitoring loan relationships, assessing credit risk, and preparing renewals and reviews to ensure asset quality.

Financial Services

Responsibilities

Monitor existing loan relationships to evaluate credit risk and to assess compliance with credit policy

Review current account status, to include but not limited to, Past Due accounts and Notes Matured and make appropriate recommendations for these accounts

Monitor portfolio loan exposure including review of monthly maturity reports and monthly past due reports. Reports deteriorating credit situations in a timely manner

Evaluate risk rating and make recommendations for risk grade changes

Help resolve credit problems, delinquent payment issues, and other related affairs

Responsible for reporting on the overall portfolio, including and not limited to assessing asset quality, stress testing (rate, occupancy, cash flow, etc.), industry and market analysis

Prepare renewals and annual reviews for overall asset quality, including performance against original underwriting expectations

Request action and follow up with Commercial Relationship Managers regarding exceptions, maturities, past due loans, business pipeline, loan reviews, etc

Prepare renewals and annual reviews for overall asset quality, including performance against original underwriting expectations which includes:

Preparation of Financial Spreadsheets

Global cash flow analysis

Written analysis of loan requests for the purpose of determining likelihood of unimpeded repayment and assessing credit risk

Covenant Testing

Risk grade recommendation

Regular, reliable, and predictable attendance

Maintain compliance with and adhere to all state and federal regulations and Bank policies and procedures, including, but not limited to Bank Secrecy Act, SAR, CTR, FACT ACT, Community Reinvestment Act, EEO, and fair employment practices

All other duties as assigned

Qualification

Credit analysisCommercial lendingFinancial statement analysisHealthcare lendingRisk managementAnalytical skillsMicrosoft ExcelMicrosoft WordMicrosoft OutlookTime managementProblem solvingWritten communicationVerbal communication

Required

Bachelors in Business, Finance, or Accounting strongly preferred

Minimum of seven years' experience in analyzing business financial statements, corporate tax forms, and partnership tax returns or equivalent academic study

Minimum of seven years' experience in analyzing personal financial statements and personal tax returns or equivalent academic study

Must possess highly advanced credit analysis skills (prefer a candidate with formal credit training)

Minimum of seven years' experience participating in commercial lending or credit activities, with a specific focus on healthcare lending preferred

Advanced knowledge in commercial loan products, terminology and regulatory requirements, as well as documentation required by bank policy and state and federal regulators

High level of organization and time management

Ability to effectively identify problems & recommend appropriate solutions

Effective and professional written and verbal communications

Ability to effectively use personal computers and various applications including Microsoft WORD, EXCEL, OUTLOOK and ancillary Primis Bank systems and underwriting platforms

Ability to work independently in a fast-paced, high-volume team environment

Exemplary analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry and competitive analysis and projections

Demonstrated understanding of credit scoring and risk management concepts

Possess a strong understanding of the bank's credit and soft credit products and Credit Policy