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Job Details
Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by diversity and inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health equity on a global scale. Join us to start Caring. Connecting. Growing together. The Portfolio Manager will be responsible for reviewing and underwriting loan requests to help the bank build, maintain, and accurately risk grade its solid credit portfolio. This will involve working closely with analysts, underwriters, portfolio managers, and credit administration. Portfolio Managers own the recommendation phase of annual reviews. Primary Responsibilities:
- Underwrite and document loan modification requests and perform periodic reviews on existing commercial loans
- Prepare clear and concise credit presentations for annual reviews which analyze the loan, the borrower, financial and credit information, repayment sources, risks and mitigation, collateral, and compliance with applicable regulations and policies
- May also perform credit underwriting on new requests
- Be knowledgeable of policies, guidelines, procedures, regulations and systems applicable to the credit function
- Ensure that loan files and documentation are complete
- Make, recommend, and present credit decisions to credit administration and credit committee through both effective written and verbal communication
- Assess and recommend risk ratings for underwritten loans
- Develop and maintain positive relationships with internal and external clients
- Assist with updating and monitoring credit policies and procedures
- Assist in training and mentoring less experienced credit team members
- 5+ years of experience analyzing business and personal financial statements associated with loan requests
- 5+ years of experience managing a portfolio of commercial loans, including commercial real estate loans
- 3+ years of experience making or recommending credit decisions on transactions > $3 million
- 3+ years of experience underwriting commercial real estate loans and reviewing loan documents
- Completion of a formal commercial credit training program
- Experience working in a credit or lending role with a commercial bank
- Healthcare industry experience
- Experience working out problem loans. We don’t have many, but the experience makes better lenders
About the Company
UnitedHealth Group
Minnetonka, MN, United States
UnitedHealth Group is a health care and well-being company that’s dedicated to improving the health outcomes of millions worldwide. We are... Read more