Portfolio Manager II, Business Banking

Wintrust Financial Corporation•Arlington Heights, IL

2d•$85,000 - $110,000

About The Position

Wintrust provides community and commercial banking, specialty finance and wealth management services through its 16 bank charters and nine non-bank businesses. Wintrust delivers the sophisticated solutions of a large bank while staying true to the relationship-focused, personalized service of our community banking roots. We serve clients in all 50 states with more than 200 branch banking locations in Illinois, southwestern Florida, northwestern Indiana, west Michigan and southern Wisconsin and commercial banking offices in Chicago, Denver, Milwaukee, Grand Rapids, Mich., and in key branch banking locations throughout Illinois. Our people are the heart of our business and we are proud to rank consistently as a top place to work. Wintrust is a $66 billion financial institution based in Rosemont, Illinois, and listed on the NASDAQ Global Select Market under the symbol “WTFC.”

Requirements

Bachelor’s degree in accounting, finance, business or equivalent education.
3+ years’ commercial and industrial underwriting and/or portfolio management experience, with a working knowledge of banking environment, products and all supporting processes and technology.
Formal Bank credit training is preferred, with a strong understanding of general credit and risk principles, and banking policies/procedures.
Proficiency in MS Office: Excel, Word, PowerPoint, and financial forecast models; experience with nCino loan origination platform a plus.
Strong analytical and organizational skills with the ability to proactively manage and prioritize workflow.
Strong interpersonal skills with a proven ability establishing client relationships and working within a team environment.

Responsibilities

Prepare and conduct Credit Approval Presentations (CAPs) including summarizing and reporting trends
Analyze commercial credit requests of varying complexity including credit and financial information of businesses and individuals to determine the degree of risk associated with the extension of credit
Review financial statements and tax returns submitted by applicants and evaluate a borrower’s ability to repay. Recognize trends, positive or negative, impacting risk to repayment, the Bank’s collateral position or ability of the business to satisfactorily operate. Recommend risk rating adjustments, higher or lower, supported by changes in the borrower’s financial condition, collateral or other factors impacting the credit’s risk.
Perform collateral analyses consistent with cash-flow and CRE lending.
Communicate directly with Relationship Managers as well as customers, as needed, to allow for timely and efficient underwriting of credit requests.
Foster an open dialogue and strong working relationship with the Real Estate Group, Credit Administration, Loan Operations, Managed Assets Department and other groups that support the line of business.
Loan monitoring and covenant testing; assist in the closing of loans and reviewing and maintaining credit files and compliance reviews.
Exhibit a sense of urgency towards meeting client requests while also meeting acceptable risk parameters in order to identify problems/issues to produce timely loan modifications and risk rating changes, as appropriate.