Atlantic Union Bank
Credit Portfolio Manager IV--Equipment Finance (REMOTE)
Atlantic Union Bank, Cumming, Georgia, United States, 30128
Credit Portfolio Manager IV – Equipment Finance (REMOTE)
Job Category: Commercial
Requisition Number: CREDI009479
Apply now
Posted: January 9, 2026
Full-Time
Salary Range: $135,161 USD to $225,795 USD
Locations Remote – GA, Cumming, Cummings, GA 30028, USA
Remote – VA, 1051 East Cary Street, Richmond, VA 23219, USA
Responsible for providing an independent perspective in underwriting and managing complex Wholesale Banking loans and relationships up to the bank’s legal lending limit. The role partners with Relationship Managers, Credit Officers, other Credit Portfolio Managers, and the Credit Portfolio Management Team Leader in delivering credit solutions through underwriting, portfolio management, deal team management, and extensive internal and external client interaction. The Credit Portfolio Manager IV is expected to be a subject matter expert (SME) in the portfolio and shall adhere to all regulatory and compliance guidelines.
Position Accountabilities
Participates or leads client calls with Relationship Manager for in‑depth financial questions, deal information, collection of financial statements, and other portfolio management requirements.
Leads the independent underwriting process for new and renewal opportunities for clients and prospects within an assigned portfolio.
Provides in‑depth, independent and objective analysis of financial statements, management competencies, industry impact, competitive dynamics, collateral, and guarantor support for new/renewal opportunities and other credit risk management deliverables.
Prepares detailed financial projections within a vendor‑provided credit tool such as Moody’s Risk Analyst or an Excel template.
Makes recommendations to Relationship Managers and Credit Approvers regarding credit amount, structure, and policy compliance.
Manages assigned portfolio by proactively monitoring performance and trends, ensuring risk rating integrity and timely compliance with all covenants, identifying issues and suggesting remediation solutions, and assisting with compliance and regulatory reviews.
Effectively prioritizes new deal, renewal and portfolio management requirements and coordinates any necessary items/requests with clients, prospects, and internal bank partners.
Exhibits willingness to lead additional special projects, such as continuous improvement of portfolio management, as delegated by the team lead.
Adheres to all applicable laws and regulations governing bank operations, including compliance with Atlantic Union Bankshares’ BSA/AML Policy and Procedures.
Organizational Relationship This position reports to the Team Leader – Credit Portfolio Management.
Position Qualifications Education & Experience
Bachelor’s degree in Accounting or Finance and seven or more years of experience in a commercial lending environment.
Employed at Atlantic Union Bank for more than 12 consecutive months and possesses a working institutional knowledge of the bank credit policy and risk & industry appetite.
Knowledge & Skills
The position requires limited supervision and/or guidance from the Team Lead.
Demonstrate the highest level of credit aptitude, analytical skills, and industry knowledge across the relevant line of business and deal types.
Experienced across business industries including commercial & industrial operating companies, residential real‑estate developers and builders, service providers, retail operations, commercial real‑estate developers and investors, religious organizations, and government. For commercial real‑estate, requisite skills include construction loan underwriting and administration.
Actively participates in complex decisions and exhibits sound business judgment regarding business and lending activities.
Considered an SME for aligned industry, commercial credit and lending concepts, practices and regulations.
Skilled in the analysis of financial statements, tax returns and cash flows of commercial & industrial companies, or commercial & residential real‑estate companies where applicable.
Abreast of current conditions, events of significance and emerging trends within respective LOB/sector.
Excellent written, oral and interpersonal skills, including selling, structuring, negotiating, closing, maintenance, modifications and problem resolution.
PC proficiency with Word and Excel.
Strong organization skills with the ability to self‑manage time, workflow and multiple projects to meet deadlines.
Willingness to proactively seek learning opportunities to continually improve performance and knowledge base.
Ability to work independently as well as within a team environment.
Capability to function as back‑up for the Team Lead, as needed.
Proven peer mentor with ability to partner with and train junior CPM teammates in underwriting skills and vital portfolio management tasks.
Ability to identify deficiencies in processes/procedures related to job function and recommend improvements.
Salary offered will be based on several factors including but not limited to education, work experience, certifications, etc. This position is also eligible to participate in an incentive compensation plan or a discretionary profit‑sharing bonus program. General information on the comprehensive benefits package can be found at https://www.atlanticunionbank.com/about/careers/benefits.
We are proud to be an Equal Employment Opportunity employer. We maintain a drug‑free workplace.
Equal Opportunity Employer This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.
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Requisition Number: CREDI009479
Apply now
Posted: January 9, 2026
Full-Time
Salary Range: $135,161 USD to $225,795 USD
Locations Remote – GA, Cumming, Cummings, GA 30028, USA
Remote – VA, 1051 East Cary Street, Richmond, VA 23219, USA
Responsible for providing an independent perspective in underwriting and managing complex Wholesale Banking loans and relationships up to the bank’s legal lending limit. The role partners with Relationship Managers, Credit Officers, other Credit Portfolio Managers, and the Credit Portfolio Management Team Leader in delivering credit solutions through underwriting, portfolio management, deal team management, and extensive internal and external client interaction. The Credit Portfolio Manager IV is expected to be a subject matter expert (SME) in the portfolio and shall adhere to all regulatory and compliance guidelines.
Position Accountabilities
Participates or leads client calls with Relationship Manager for in‑depth financial questions, deal information, collection of financial statements, and other portfolio management requirements.
Leads the independent underwriting process for new and renewal opportunities for clients and prospects within an assigned portfolio.
Provides in‑depth, independent and objective analysis of financial statements, management competencies, industry impact, competitive dynamics, collateral, and guarantor support for new/renewal opportunities and other credit risk management deliverables.
Prepares detailed financial projections within a vendor‑provided credit tool such as Moody’s Risk Analyst or an Excel template.
Makes recommendations to Relationship Managers and Credit Approvers regarding credit amount, structure, and policy compliance.
Manages assigned portfolio by proactively monitoring performance and trends, ensuring risk rating integrity and timely compliance with all covenants, identifying issues and suggesting remediation solutions, and assisting with compliance and regulatory reviews.
Effectively prioritizes new deal, renewal and portfolio management requirements and coordinates any necessary items/requests with clients, prospects, and internal bank partners.
Exhibits willingness to lead additional special projects, such as continuous improvement of portfolio management, as delegated by the team lead.
Adheres to all applicable laws and regulations governing bank operations, including compliance with Atlantic Union Bankshares’ BSA/AML Policy and Procedures.
Organizational Relationship This position reports to the Team Leader – Credit Portfolio Management.
Position Qualifications Education & Experience
Bachelor’s degree in Accounting or Finance and seven or more years of experience in a commercial lending environment.
Employed at Atlantic Union Bank for more than 12 consecutive months and possesses a working institutional knowledge of the bank credit policy and risk & industry appetite.
Knowledge & Skills
The position requires limited supervision and/or guidance from the Team Lead.
Demonstrate the highest level of credit aptitude, analytical skills, and industry knowledge across the relevant line of business and deal types.
Experienced across business industries including commercial & industrial operating companies, residential real‑estate developers and builders, service providers, retail operations, commercial real‑estate developers and investors, religious organizations, and government. For commercial real‑estate, requisite skills include construction loan underwriting and administration.
Actively participates in complex decisions and exhibits sound business judgment regarding business and lending activities.
Considered an SME for aligned industry, commercial credit and lending concepts, practices and regulations.
Skilled in the analysis of financial statements, tax returns and cash flows of commercial & industrial companies, or commercial & residential real‑estate companies where applicable.
Abreast of current conditions, events of significance and emerging trends within respective LOB/sector.
Excellent written, oral and interpersonal skills, including selling, structuring, negotiating, closing, maintenance, modifications and problem resolution.
PC proficiency with Word and Excel.
Strong organization skills with the ability to self‑manage time, workflow and multiple projects to meet deadlines.
Willingness to proactively seek learning opportunities to continually improve performance and knowledge base.
Ability to work independently as well as within a team environment.
Capability to function as back‑up for the Team Lead, as needed.
Proven peer mentor with ability to partner with and train junior CPM teammates in underwriting skills and vital portfolio management tasks.
Ability to identify deficiencies in processes/procedures related to job function and recommend improvements.
Salary offered will be based on several factors including but not limited to education, work experience, certifications, etc. This position is also eligible to participate in an incentive compensation plan or a discretionary profit‑sharing bonus program. General information on the comprehensive benefits package can be found at https://www.atlanticunionbank.com/about/careers/benefits.
We are proud to be an Equal Employment Opportunity employer. We maintain a drug‑free workplace.
Equal Opportunity Employer This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.
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