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Commercial Portfolio Manager
Hancock Whitney. Manage a Wholesale Banking loan portfolio of simple to moderate complexity, typically 15–25 relationships and approximately $50–$75 million in total commitments .
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in credit analysis, loan portfolio management, and risk assessment while ensuring compliance with banking regulations. Proficient in financial analysis, relationship management, and effective communication with internal and external stakeholders.
Highest-signal resume keywords
Credit AnalysisLoan Portfolio ManagementRisk ManagementFinancial AnalysisRegulatory Compliance
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Credit AnalysisUnderwritingLoan DocumentationFinancial CalculationsBusiness PrinciplesFinancial RatiosLoan StructuringCollateral PerfectionMarket AnalysisNegotiation Skills
Soft Skills
Excellent Verbal CommunicationInterpersonal SkillsProblem-Solving AbilityCustomer Service OrientationPresentation Skills
Tools & Technologies
Microsoft Office Suite
Industry Keywords
Wholesale BankingAMLGLBAOFACCRAFair LendingBSACredit PolicyRegulatory GuidelinesFinancial Performance
About the role
Key responsibilities & impact- Manage a Wholesale Banking loan portfolio of simple to moderate complexity, typically 15–25 relationships and approximately $50–$75 million in total commitments
- Partner with Relationship Managers, market leadership, senior management and credit officers to originate, monitor, maintain and grow profitable relationships
- Perform due diligence, credit analysis and underwriting
- Recommend borrower and facility risk assessment ratings
- Prepare credit approval packages for new and existing loans, extensions, modifications and amendments
- Conduct ongoing portfolio monitoring and risk management to ensure compliance with credit policy, procedures, business strategy and regulatory guidelines
- Ensure loan agreements are accurately documented, tracked and monitored for compliance
- Prepare annual or administrative reviews of client and guarantor financial performance, covenant compliance and risk ratings
- Communicate with internal business partners including loan operations, credit services, credit review, audit and treasury services
- Participate in client and prospect calls and support new-to-bank opportunity memos
- Assist with client servicing, collecting financial information, monitoring loan maturities and past-due loans
- Review borrowing base certificates, liquidity verification and other periodic documentation
- Conduct industry and market analysis to evaluate credit capacity and quality
- Review pre-closing lending documentation and electronic file completeness
- Monitor operating performance against underwriting and projections
- Verify loan-system coding, risk ratings and expected loss ratios
- Monitor and resolve documentation exceptions
- Assist with Watch Reports and Watch Committee presentations
- Support portfolio-management special projects and other team members
- Safeguard client information and comply with banking laws and regulations, including AML, GLBA, OFAC, CRA, Fair Lending and BSA
- Complete assigned bank training and report regulatory issues or suspected fraud
- Identify and recommend cross-sell opportunities for ancillary bank products
- Continue developing underwriting skills and analytical techniques
Requirements
What you’ll need- Bachelor's degree is required; a Bachelor’s degree in Business Administration, Finance, Accounting or related field is preferred
- 3+ years of general banking experience, credit analysis, relationship management, or a combination of related experience
- Credit analysis training, certificate program and/or experience, underwriting, loan portfolio management experience, working closely with Credit Analysts, Commercial Underwriters, RMs or other commercial bankers is preferred
- Excellent verbal, written & interpersonal skills
- Ability to read, analyze and interpret business periodicals, professional journals, technical procedures or governmental regulations
- Ability to write reports and business correspondence; effectively present information and respond to questions
- Ability to read, analyze and interpret business and personal financial statements and federal/state tax returns
- Knowledge of non-credit bank products and services
- Credit, risk management and negotiation skills
- Understanding and correct application of business principles and financial ratios
- Analytical and financial analysis skills
- Ability to perform quick financial calculations
- Knowledge of loan documentation, loan agreements, loan structuring, collateral perfection and liens, and general business contracts
- Understanding of lending policy, procedures, underwriting and regulatory guidelines
- Ability to handle varied written, oral, diagrammatic or scheduled instructions
- Ability to multitask and work under tight timelines
- Problem-solving ability using sound logic
- Computer literacy and proficiency in Microsoft Office Suite
- Collaborative and highly coachable
- Customer service orientation
- Presentation skills
- Understanding of macroeconomic and microeconomic issues as applied to business
- Understanding of market, interest-rate and leverage risk in lending
- Well organized
- Ability to work under stress and meet deadlines
- Ability to travel
- Ability to lift/move/carry approximately 25 pounds if required
Benefits
Comp & perks- Annual involvement in at least one civic, community or industry-related activity is strongly encouraged
- Equal Opportunity/Affirmative Action employment practices