Job description
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JOB FUNCTION / SUMMARY:
The Manager, Healthcare Group Portfolio 1 has responsibilities over the Specialized Healthcare Lending Group (“SHLG”) and leadership over a team of healthcare Portfolio Managers (PMs). This position leads, directs and coordinates the credit underwriting and portfolio management functions for the assigned SHLG portfolio, including market level analytics and reporting. The Manager, Healthcare Group Portfolio reports to the Managing Director of Healthcare Banking.
ESSENTIAL DUTIES & RESPONSIBILITIES:
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Leads a team of PMs responsible for underwriting, portfolio management and preserving the asset quality of the assigned Healthcare loan portfolio by establishing roles, responsibilities and expectations.
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Provides oversight, direction and effectively coordinates department workflow to ensure team’s accuracy and timeliness of all credit requests, credit approval packages, loan agreement compliance, past due payments, collateral and critical exceptions, financial statement tracking, loan coding, borrower and facility risk rating and annual relationship reviews, balancing the need to quickly turnaround new requests while handling renewals, amendments, etc. as appropriate.
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Effectively partners with senior management, internal (market leaders, sales managers, RMs, credit officers and other business partners) and external partners, to efficiently and accurately analyze, underwrite, document and service the portfolio.
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Provides leadership and offers guidance in resolving credit related issues among the team and Credit Delivery partners to include credit structure, underwriting and loan documentation.
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Monitors the portfolio’s health quality ratings to identify any developing trends to protect the Bank’s credit soundness and oversees quarterly review of the Healthcare leveraged lending portfolio.
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Attend applicable organizational meetings and disseminates information to PMs, as appropriate.
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Maintain various reporting for the assigned portfolio (i.e., pipeline report, portfolio metrics, etc.).
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Offers guidance and review Watch Reports (in conjunction with the Healthcare SRCO) and participate in Watch Committee; if necessary assist in the preparation of Watch Reports and be available to present to Watch Committee.
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Periodic interaction with internal credit review, audit and external examiners.
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In partnership with the Healthcare Senior Regional Credit Officer, review market and industry analyses to evaluate macroeconomic and industry drivers and stay abreast of current legislation and economic conditions which may affect customer relationships and the Healthcare Banking Line of Business; communicates findings as appropriate.
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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.
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Annual involvement in at least one (1) civic, community or industry-related activity is strongly encouraged.
SUPERVISORY RESPONSIBILITIES:
Carries out supervisory responsibilities in accordance with the organization's policies, procedures and applicable laws; Provides guidance and oversight to and is responsible for the coordination and evaluation of the assigned team. Responsibilities may include interviewing, hiring and training associates; planning, assigning and directing work; performance management; associate compensation; approving expense reports; addressing concerns and resolving problems.
MINIMUM REQUIRED EDUCATION, EXPERIENCE & KNOWLEDGE:
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Bachelor's degree in Business Administration, Finance, Accounting or a related field.
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7+ years of credit analysis, underwriting, portfolio management, relationship management, or a combination of related commercial banking experience is required.
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5+ years of portfolio management in a healthcare specialty lending division.
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Successful completion of an on the job credit training program or certificate program is required.
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Experience managing diversified, complex, sensitive and high-dollar credit relationships preferred.
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Prior leadership experience preferred.
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Excellent verbal, written & interpersonal skills. Ability to read, analyze and interpret business periodicals, professional journals, technical procedures or governmental regulations; to write reports, business correspondence and procedure manuals; effectively present information and respond to questions from groups of managers, clients and the general public.
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Advanced ability to read, analyze and interpret business and personal financial statements and federal/state tax returns.
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Advanced knowledge of non-credit bank products and services.
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Understands and capable of correctly applying business principals and financial ratios.
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Capable of quick, on-the-spot calculations with a financial calculator.
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Understands lending policy and procedures, underwriting and regulatory guidelines to include; knowledge of loan documentation, loan agreements, loan structuring, collateral perfection and liens and general business contracts, etc.
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Intermediate Credit, risk management and negotiation skills.
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Understands macro and micro economic issues as they apply to business.
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Understands risks (market, interest rate, leverage, etc.) as applicable to the credit process.
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Intermediate Computer skills with ability to quickly learn new software systems; proficient in Microsoft Office Suite of products.
ESSENTIAL MENTAL & PHYSICAL REQUIREMENTS:
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Ability to travel if required to perform the essential job functions.
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Ability to work under stress and meet deadlines.
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Ability to operate related equipment to perform the essential job functions.
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Ability to read and interpret a document if required to perform the essential job functions.
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Ability to lift/move/carry approximately 10 pounds if required to perform the essential job functions. If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department/division an “undue hardship” then the employee must be accommodated; hence omitting lifting/moving/carrying as a physical requirement.
Equal Opportunity/Affirmative Action Employers. All qualified applicants will receive consideration for employment without regard to race, color, religious beliefs, national origin, ancestry, citizenship, sex, gender, sexual orientation, gender identity, marital status, age, physical or mental disability or history of disability, genetic information, status as a protected veteran, disabled veteran, or other protected characteristics as required by federal, state and local laws.
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