Senior Portfolio Manager, Cash Flow Lending Specialist

6 hours ago

Pittsburgh, Pennsylvania, United States Northwest Bank Full time
Job Summary

The Senior Portfolio Manager, Cash Flow Lending role is responsible for the ongoing monitoring process for the Bank's commercial loans within the Cash Flow Lending vertical to ensure timely and accurate risk ratings and compliance with credit policy, loan agreements, and applicable banking regulations.

Key Responsibilities
  • Monitor credit performance of individual commercial borrowers ensuring timely escalation or remediation, as appropriate
  • Responsible for the timeliness and accurate aggregated reporting of the Cash Flow Lending portfolio monitoring activities and adherence to credit policies, procedures and thresholds related to financial statement collection, covenant testing, collateral valuation, annual reviews, and delinquencies
  • Engage with customers to gain a thorough understanding of the borrowers' business model, financial performance, and industry trends to effectively evaluate sources of repayment and accurately assign risk rating
  • Collect and review all pertinent credit and financial information, including but not limited to financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research and peer data
  • Determine the need for more thorough investigation or additional information
  • Spread financial statements and prepare financial models designed to assess probability of default and loss given default
  • Analyze financial information and related materials to ensure prudent ongoing credit monitoring for the Bank's commercial loan portfolio
  • Identify emerging risks or material changes in customers financial position, including evaluation of compliance with loan agreements
  • Assist in completion of annual reviews, renewals, interim update memos, covenant calculations and criticized asset reviews
  • Monitor early warning indicators and other forms of credit surveillance
  • Present analysis or address questions during credit discussions or presentations
  • Document and track key risk indicators associated with monitoring and control procedures and any applicable thresholds, including industry concentrations and leveraged finance exposure
  • Coordinate and conduct quarterly portfolio reviews to assess the overall performance and risk profile of the cash flow lending portfolio including leveraged lending exposure and distribution, asset quality metrics and trends, industry concentrations, top exposures, maturity profile, and pipeline
Requirements
  • Bachelor's degree in Accounting, Finance, Economics, or related degree
  • 5-6 years of experience with Commercial underwriting, public accounting, financial analysis, or credit risk management
  • Extensive knowledge of credit risk analysis including assessment of financial statements, collateral valuation, industry review, risk rating assignment
  • Excellent analytical knowledge and application with independent judgment
Work Environment

This role can be performed onsite or remotely from anywhere in the US.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant.

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