Portfolio Manager I

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 the 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. Seek alternative means of financing or counter offers for all borrowers, if appropriate, when it is determined that the original request cannot be accommodated. Communicate directly with relationship and portfolio managers as well as customers, as needed, to allow for timely and efficient underwriting of credit requests. Partner with in‑house appraisal and environmental staff in ordering and reviewing third‑party reports such as appraisal, environmental, and property condition assessments. Foster an open dialogue and strong working relationship with credit administration, loan operations, managed assets department and other groups that support the line of business. Manage loan monitoring and covenant testing; assist in the closing of loans and in reviewing and maintaining credit files and compliance reviews. Exhibit a sense of urgency toward meeting client requests while also meeting acceptable risk parameters to identify problems or issues and produce timely loan modifications and risk rating changes, as appropriate. Qualifications Bachelor’s degree in accounting, finance, business or equivalent experience. Minimum of 2 years’ commercial and industrial underwriting and/or portfolio management experience; formal credit training is a plus. Sound understanding of commercial credit analysis techniques, including cash flow, balance sheet analysis, evaluation of collateral, and personal financial condition. Strong organizational and time‑management skills with the ability to proactively manage and prioritize workflow. Ability to make sound decisions in a fast‑paced, time‑sensitive environment. Demonstrated analytical and critical‑thinking skills. Excellent oral and written communication skills. Proficient in Microsoft Word and Excel; experience with nCino loan origination platform is a plus. Benefits Medical Insurance Dental Insurance Vision Insurance Life Insurance Accidental Death and Dismemberment Insurance Short‑term and long‑term Disability Insurance Parental Leave Employee Assistance Program (EAP) Traditional and Roth 401(k) with company match Flexible Spending Account (FSA) Employee Stock Purchase Plan at 5% discount Critical Illness Insurance Accident Insurance Transportation and Commuting Benefits Banking Benefits Pet Insurance Compensation The estimated salary range for this role is $71,000 to $92,000 annually, along with eligibility to earn an annual bonus. Actual salaries may vary based on several factors, such as a candidate’s qualifications, skills, and experience. EEO Statement Wintrust Financial Corporation, including community banking and financial services subsidiaries, is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, national origin, disability, veteran status, genetic information, and other legally protected categories. #J-18808-Ljbffr