Credit Portfolio Manager Job Description
Credit portfolio manager
provides appropriate loan structure recommendations for prospective loan requests aligned with credit policy and risk guidelines. Understands and tracks the composition of each syndicated credit bank group and the services provided by each bank. Responsible for Enterprise Risk Management and regulatory compliance, including HMDA, BSA. Ensures adherence with internal and legal guidelines.
Credit Portfolio Manager Duties & Responsibilities
To write an effective credit portfolio manager job description, begin by listing detailed duties, responsibilities and expectations. We have included credit portfolio manager job description templates that you can modify and use.
Sample responsibilities for this position include:
Researches and analyzes financial information to evaluate a borrower's creditworthiness
Coordinate preparation and execution of legal documentation supporting credit approvals
Monitor clients and portfolios for changes in risk ensuring that loan quality/credit risk adheres to guidelines and positions are reported to management as appropriate
Provide daily monitoring, follow-up and periodic risk reporting related to high risk credit and custody clients
Complete new client risk assessments as required
Supports the Relationship Manager in monitoring on n on-going basis information concerning customer performance, abilities, and industry to determine that loan is an acceptable risk
Reviews internal and attorney prepared loan documents to ensure accuracy as compared to the credit approval package
Completes timely ongoing periodic credit servicing of loans within the portfolio including analyzing historical financial performance, performance vs
Manage a team of individuals including
Credit Portfolio Manager Qualifications
Qualifications for a job description may include education, certification, and experience.
Licensing or Certifications for Credit Portfolio Manager
List any licenses or certifications required by the position: CFA, PMP
Education for Credit Portfolio Manager
Typically a job would require a certain level of education.
Employers hiring for the credit portfolio manager job most commonly would prefer for their future employee to have a relevant degree such as Bachelor's and University Degree in Finance, Economics, Business, Statistics, Accounting, Mathematics, Engineering, Management, MBA, Business/Administration
Skills for Credit Portfolio Manager
Desired skills for credit portfolio manager include:
Company and business line policies and procedures
All applicable laws and regulations
Credit quality standards
Commercial lending policy
Credit products
Credit underwriting
Accounting and loan documentation
Loan pricing and structural trends to match client needs with Regions’ debt product solutions
Loan documentation
Risk analysis
Desired experience for credit portfolio manager includes:
Periodic reporting to the Model Governance Working Group on the performance of the model by creating standardized templates
Update application and behavioural scorecards based on actual experience and provide recommendations on the scorecards to improve the accuracy and power of the scorecard
Reporting - Perform issuer analysis of the shares held as collateral, with the objective of classifying them into performance buckets based on market and fundamental factors
Prepare rating distribution report for the loan portfolio of the bank and providing further insights into rating migrations for specific portfolios
Five to ten years of commercial banking experience
One to five years of commercial banking experience
Credit Portfolio Manager Examples
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Credit Portfolio Manager Job Description
Job Description Example
Our growing company is hiring for a credit portfolio manager. If you are looking for an exciting place to work, please take a look at the list of qualifications below.
Responsibilities for credit portfolio manager
- Coordinate preparation and execution of appropriate legal documentation supporting credit approvals
- Facilitate periodic updates of client credit quality to Credit Policy (Union League and Watch List credit reviews)
- Work closely with Risk leaders and client teams providing data and analytics in support of minimizing Synchrony Financial’s risk, while continuing to grow the private label portfolio
- Researches and analyzes pertinent financial statements
- Meets directly with clients to discuss financial condition as required
- Provides guidance and oversees complex financial modeling performed by the Underwriter and Sr
- Serves in a credit advisory function to bring loan structuring expertise and knowledge to bear in new and existing lending relationships
- Leads the review of internal and attorney prepared loan documents to ensure accuracy as compared to the credit approval package
- Provides guidance and oversees complex financial modeling performed by Underwriter and Sr
- Develops appropriate loan structures, supports Client Coverage and Capital Markets, and, as a subject matter expert, completes profitability models
Qualifications for credit portfolio manager
- Broad financial expertise with knowledge of financial and economic fundamentals, with business policies, products, processes, systems and roles
- Minimum Bachelor degree in a quantitative discipline
- 1+ years work experience with commercial credit and/or retail credit and/or enterprise risk experience
- Working knowledge of commercial and retail loan portfolio management frameworks and practices
- Working knowledge of commercial and/or retail credit stress testing methodology
- Working knowledge of the Bank’s Automated Lending Decision Tools
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Credit Portfolio Manager Job Description
Job Description Example
Our company is looking to fill the role of credit portfolio manager. Thank you in advance for taking a look at the list of responsibilities and qualifications. We look forward to reviewing your resume.
Responsibilities for credit portfolio manager
- Coordinate renewal of loans through credit department and relationship manager including updating collateral or other loan documentation as needed
- Conduct annual analysis of Counterparty and Treasury investment credit risks
- Investigate and respond to customer queries or issues
- Structure and underwrite both new credit requests and renewals of moderately complex middle market credits using assigned lending authority based on approved credit granting authority
- Responsible for underwriting quality and portfolio administration
- Partner with relationship managers to prioritize credit requests and meet with clients as appropriate
- Contribution to investment views with the potential to develop into a Portfolio Manager role over time
- Rebalancing portfolios in line with agreed-upon risk-return profiles
- Monitoring primary markets for new bonds being issued
- Contribute to the development and upgrading of investment models
Qualifications for credit portfolio manager
- The CPM is the de facto equivalent of a product manager, responsible for all aspects of the business except for investing
- The CPM is accountable for client and RFP materials internal marketing tools, and to promote the strategies they represent internally and externally
- The CPM will partner with the Client Advisor (CA) and, where appropriate, the consultant sales team, to pitch for new business and will be the voice of the strategies in conferences, road shows, seminars and training
- The CPM will be the primary point of contact with the client on investment matters, ie portfolio results and positioning
- The EMEA CPM will work in close partnership with the lead CPM for Global Credit strategies, based in New York
- Extensive experience in fixed income and credit markets
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Credit Portfolio Manager Job Description
Job Description Example
Our innovative and growing company is hiring for a credit portfolio manager. Thank you in advance for taking a look at the list of responsibilities and qualifications. We look forward to reviewing your resume.
Responsibilities for credit portfolio manager
- Communicate with existing customers through relationship managers for ongoing credit review and maintenance of current portfolio
- Monitor existing portfolio for past dues, expired loans and other exceptions
- Attend and participate in loan approval discussions
- As a credit officer, review and deliver credit decisions on a specified aggregate exposure of new loan requests and renewals
- Ensure each loan and total portfolio is accurately risk rated in order to assess overall credit risk
- Identify problem loan situations and deterioration of credit quality within the portfolio and communicate findings to management in a timely manner
- Prepare and present special projects, reports and assignments as requested
- Provide high quality customer service assist business banking officers in cultivating new relationships
- Ensure complete and accurate compliance with legislation and regulations
- Identify cross-sell opportunities and recommend products
Qualifications for credit portfolio manager
- The Client Portfolio Manager’s role is to know the portfolios they represent as if they were the Alpha Portfolio Manager
- Degree, preferably in Finance, Economics or related subjects
- CFA level 2 or equivalent preferred
- Demonstrated track record in operating in large and complex organisations and across regional borders
- Developed interpersonal, presentation skills and ability to deal with clients and colleagues at all levels
- Ability to act as a fiduciary, with strong work ethic and positive attitude
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Credit Portfolio Manager Job Description
Job Description Example
Our innovative and growing company is looking for a credit portfolio manager. We appreciate you taking the time to review the list of qualifications and to apply for the position. If you don’t fill all of the qualifications, you may still be considered depending on your level of experience.
Responsibilities for credit portfolio manager
- Operate as a subject matter expert on consumer credit portfolio
- Develop and maintain credit risk policy for the credit card portfolio strategies
- Proactively monitor performance metrics and advise management of trends and recommend applicable actions/corrective solutions
- Lead and support implementation system testing and ad-hoc projects
- Construct and manage IG Credit Index and ETF portfolios with daily flows, guidelines constraints, corporate actions
- Candidate will be supporting lead portfolio manager in all aspects of daily operations across index, real money and hedge fund businesses
- Develop systematic investment insights in conjunction with the research and portfolio management teams covering the residential mortgage (agency / non-agency), commercial mortgage and asset-backed security investment universe
- Actively participate in weekly research and portfolio management business updates
- Perform detailed analysis regarding collateral performance trends and interpret findings
- Perform ad hoc security-specific analysis and make investment recommendations
Qualifications for credit portfolio manager
- Manages specific credit activities to ensure performance quality, consistency of underwriting and timeliness meets or exceeds Customer expectations
- May manage and/or lead create, develop and introduce commercial and credit-related initiatives
- Performs periodic inspections at Customer sites to audit accounts and ensure adherence to loan agreements and terms
- May communicates credit decisions to Relationship Managers and Account Managers
- May lead a team of Credit Analysts within a region or market
- Prepare written credit approval requests and present them verbally to credit approval committees
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Credit Portfolio Manager Job Description
Job Description Example
Our company is looking to fill the role of credit portfolio manager. Please review the list of responsibilities and qualifications. While this is our ideal list, we will consider candidates that do not necessarily have all of the qualifications, but have sufficient experience and talent.
Responsibilities for credit portfolio manager
- Implement investment insights by interacting with sell-side firms while negotiating individual asset execution in a manner consistent with investment rational, market structure and best execution
- Raise and book orders in a manner consistent with firm best practices
- Oversee portfolio construction to ensure compliance with risk limits and consistency of investment rationale
- Develop detailed understanding of and monitor portfolio compliance and risk infrastructure
- Manages all aspects of existing CRE portfolio including but not limited to escrow and collateral releases, assumptions, re-tax and servicing issues
- Prepares responses to examiners, internal and external auditors, ensuring appropriate remedial actions are taken, as needed
- Represents the CRE Group in dealings with the Internal Audit and Compliance for audit and compliance issues
- Partners with Senior Management to influence key decisions and collaborate to effectively implement change
- Responsibility for maintaining and enforcing the Bank’s Loan Policy
Qualifications for credit portfolio manager
- Honestly and thoughtfully responds to questions with follow-up completed on open issues within two business days
- Review legal documents, with appropriate partners where appropriate, to ensure terms match approval granted by credit committee and bank is properly protected
- Proven ability to design, construct and implement investment-grade credit based portfolios, both dedicated and within the context of overall broad markets portfolios and strategies
- Experience working in a team-oriented environment and skilled at identifying, communicating and implementing cross-sector valuation decisions in portfolios, Credit is cheap/rich versus other sectors
- Idea generation and implementation of relative value analysis and portfolio sector allocations are important to success in this position
- Experience in trading investment-grade credit fixed income securities