Hancock Whitney · 1 day ago
Commercial Portfolio Manager (Healthcare)
Franklin - Franklin, TN
Full-time
Onsite
Senior Level
5+ years expHancock Whitney is a financial institution seeking a Commercial Portfolio Manager to join their Credit Delivery Team. The role involves credit analysis, underwriting, and portfolio management for Wholesale Banking relationships, focusing on maintaining and growing profitable client relationships.
BankingFinancial Services
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
Ensure loan agreements are accurately documented as approved, are added to the master loan agreement tracking reports and monitored for compliance
Prepare annual or administrative reviews to assess client and guarantor financial performance, covenant compliance and to update borrower and facility risk ratings. Ensure that reviews are completed within established target review dates
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 necessary, work with outside legal counsel in the preparation and review of attorney prepared loan documentation, resolving documentation issues, etc
As appropriate, participate with RMs in client/prospect calls in order to gain a thorough understanding of the client/prospect and their business
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
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
As appropriate, participates with the RM in the discussions and presentation of credit requests to local market leadership and credit officers
Works closely with the RM and CCA to assist with client servicing, collecting borrower and guarantor financials, transaction information, monitoring loan maturities and past due loans, etc
Review borrowing base certificates, verification of liquidity and other periodic documentation in accordance with applicable loan agreement monitoring
Periodically review the borrower’s electronic file depository to assess for the completeness of files and that documents are accurately filed
Monitors client operating performance against original underwriting and projections upon receipt of required reporting information
Verifies that coding, borrower and facility risk rating assessments (and dates) and expected loss ratios are accurate and correctly recorded on the loan system
Conducts the appropriate due diligence and industry and market analysis to evaluate client and guarantor credit capacity and quality
Keeps informed of current economic conditions and legislation which may affect client relationships and the Wholesale Line of Business
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
Works closely with the RM and CCA to monitor and resolve document exceptions that may arise including, but not limited to, loan coding, collateral and critical documentation exceptions, etc. As required, actively participates on the loan agreement exception tracking calls
Promptly notifies the Director of Portfolio Management and Underwriting of any upward or downward (numerical) movement in a client’s borrower risk assessment
As appropriate, assists in the preparation of Watch Reports and is available to make presentations to Watch Committee as needed
As required, respond timely to credit review to answer questions and provide any missing documentation
Continues to develop advanced underwriting skills and analytical techniques through interactions with their manager, credit officers and other senior associates
Safeguards all client information in adherence to bank guidelines, including personal client data, account data and other sensitive information
Support and assist other Portfolio Managers as team workload dictates
As needed, participates in special projects, as lead or contributor
Openly exchanges ideas and opinion and expresses concerns
Maintains a working knowledge of bank policies and procedures regarding applicable federal, state, and local banking and industry related laws and regulations applicable to the position, including but not limited to, Anti-Money Laundering, Gramm-Leach-Bliley, OFAC, CRA, Fair Lending, Bank Secrecy Act, etc
Ensures timely and successful completion of all annually required bank training assignments
Responsible to report any procedure or process that doesn’t meet regulatory requirements including fraud, whether suspected or confirmed, to management. This reporting can be directly made to management, including Human Resources or Corporate Security, or can be reported anonymously via the Integrity in Action hotline
Responsible for identifying and recommending cross-sell opportunities of ancillary bank products including, but not limited to, Treasury Services, International Banking, Equipment Finance, Private Banking, etc
Annual involvement in at least one (1) civic, community or industry-related activity is strongly encouraged
Qualification
Required
Bachelor's degree is required
5+ 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 & interpersonal skills
Ability to read, analyze and interpret business and personal financial statements and federal/state tax returns
Knowledge of non-credit bank products and services
Understands and is capable of correctly applying business principals and financial ratios
Analytical and financial analysis skills
Capable of quick, on-the-spot calculations with a financial calculator
Knowledge of loan documentation, loan agreements, loan structuring, collateral perfection and liens, general business contracts, etc
Understands lending policy and procedures and underwriting and regulatory guidelines
Ability to deal with a variety of instructions furnished in written, oral, diagram, or schedule form
Ability to multi-task and work under tight timelines
Ability to use sound logic to solve problems with effective solutions
Collaborative and highly coachable
Self-motivated and well organized
Ability to work independently with minimal supervision
Customer service orientation
Presentation skills
Credit, risk management and negotiation skills
Understands macro and micro economic issues as they apply to business
Understands concept of risk (market, interest rate, leverage, etc.) as it applies to the lending process
Computer literate with ability to quickly learn new software systems; proficient in Microsoft Office Suite of products
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
Preferred
A Bachelor's degree in Business Administration, Finance, Accounting or related field is preferred
Company
Hancock Whitney
Hancock Whitney is offers a wide array of banking and financial services.
1001-5000 employees
Funding
Current Stage
Late StageLeadership Team
Mike Achary
CFO
Shane Loper
Chief Operating Officer
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