Healthcare Credit Portfolio Management Manager

HTLF is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors.

HTLF is a diversified financial services company headquartered in Denver, Colorado. We deliver community banking at scale by powering our geographically diverse group of banks with technology, efficiency and strength - giving local decision-making the opportunity and insights to focus on customers and growth. Relationships have been the core of our company since its founding in 1981. We're deeply invested in the communities we serve, and that's why our clients choose us as their banking partners.

What's different about a career at HTLF? We believe our employees and their diverse backgrounds, perspectives and skills are our greatest assets. We wouldn't be HTLF without the people with whom we surround ourselves and empower to enrich the lives of our customers, employees and communities. We're dedicated to making HTLF the best place to work - where your opinions are valued, your feedback and ideas are heard, and your opportunities for personal growth and professional development are endless.

The Healthcare Credit Portfolio Management Manager is responsible for leading a team of commercial banking credit portfolio managers responsible for underwriting Healthcare Credits and assisting Healthcare Bankers in managing their client relationships and commercial loan portfolios. The position is responsible for both the underwriting and on-going monitoring of Healthcare credit exposures for existing and prospective customers within the healthcare industry including but not limited to senior housing, skilled nursing, behavioral health, hospital and service sectors including providers that are for-profit or nonprofit structures in order to assess credit quality and minimize risk and potential loss. The Credit Portfolio Management Manager position gathers, analyzes and interprets credit financial information for all types of credit requests, including complex relationships where HTLF is the syndication Agent.

Primary Responsibilities:

• Serves as the primary contact for their assigned team.
• Leads and works independently to appropriately and timely underwrite credits and align credit structures to the credit risk appetite of HTLF.
• Thoroughly assess key credit risk elements including leverage, market/payor risk, operational execution, collateral support, interest rate risk and appropriate structural credit enhancements to mitigate identified risk elements.
• Evaluates equity sources and organizational structures including terms and conditions of additional debt.
• Assess the risks of the Borrower, Sponsor and/or Guarantor operations (corporate entities and individuals) based on a thorough assessment of the related industry and business fundamentals, historical and projected financials (including the foundation and reasonableness of applied assumptions) for loan repayment.
• Strength in reviewing and identifying key risk items from 3rd party reports including but not limited to Field Exams, QOE, Appraisals, Property Condition Assessments, Environmental, industry and clinical reports.
• Ability to summarizes findings in a credit presentation which will be utilized as a basis for credit approval decisions. Presentations will succinctly summarize credit risks in a "Credit Comment"; identify loan policy exceptions; propose improvements to loan structure and assess the loan rating.
• Strong communication skills to foster collaboration with syndicate banks and Agents.
• Manages workflow and the assignment of commercial credit requests with attention to bank priority and Credit Admin service level agreements.
• Reviews commercial loan file documentation for accuracy and compliance with approval requirements. Assists the Healthcare Banker to assure that all client documentation and customer agreements, credit and non-credit alike, are accurate, properly executed, and funds are withheld until all documents are properly executed.
• Keeps the Credit Officer and Healthcare Banker informed of the status of the credit and obtains concurrence on significant changes to proposed terms and conditions of the credit.
• Holds weekly meetings with required individuals to ensure the pipeline of new and renewal requests are addressed in a timely manner.
• Understands, detects, and reports the early warning signs of problem credits. Minimize the risk of credit loss to maintain appropriate risk ratings on all loans with each credit action.
• Oversees efforts and contributes to the preparation of trend cards on portfolio credits in conjunction with portfolio managers and RMs.
• Develops perspective of the aggregated portion of credit products in order to achieve growth, profitability, and risk objectives.
• Leads efforts to promptly satisfy internal and external examiner requests.
• Ability to identify and appropriately identify and escalate key risks.
• Continuously seeks additional knowledge and training to enhance sales, credit, and people skills.
• Stays abreast of industry and regulatory trends and developments, identifying potential threats and opportunities for the business.
• Prepares and presents reports on portfolio performance to senior management on a regular basis.
• Completes annual E-Learning Plan and Bank Secrecy Act (BSA) training as assigned and keeps up-to-date knowledge of BSA as it relates to the job function.
• Performs other duties as assigned.

Qualifications

• Bachelors Business Administration/Management required
• 7-10 years related experience as a Credit Analyst, Portfolio Manager or Commercial Loan Officer required
• Experience leading a team toward high performance and engagement required
• Understanding of credit analysis, risk analysis, and accounting and finance principles required
• Thorough knowledge of commercial and agricultural lending, credit and appropriate banking laws and regulations required
• Strong credit underwriting skills. Experience in credit structuring and prudently accommodating customer credit needs required
• Strong analytical skills and an understanding of general economic theory as it relates to the lending and business environment required
• Strong critical thinking, interpersonal, and organizational skills required
• Demonstrates accuracy and thoroughness. Looks for ways to improve and promote quality required
• Applies feedback to improve performance; monitors own work to ensure quality required
• Ability to maintain confidentiality of customer and credit information required
• Past experience with PROFITMAX, InfoAccess, nCino and Credit Len's (Moody's) CME, AS400/Fiserv or other relevant computer programs required
• Understanding of bank policies and procedures required
• RMA - Credit Risk Certification - CRC - Risk Management Association - RMA within 1 Year preferred

Standard ADA Selection: Office and Administrative Support
20% Travel including the ability to travel regionally once per quarter for up to three days per event.

Scheduled Weekly Hours:

40

Time Type:

Full time

The targeted salary for this role is:

$125,443.00 - $163,076.00

You may also be offered incentive compensation, and benefits. Benefits may include Medical, Dental, Vision, 401(k), Health Savings Account, Paid Time Off. Actual compensation may vary based on geographic location of the specific role as well as work experience, education, and skills of the selected candidate.